Many restaurant owner's, especially new one's, don't realize that they can cut costs on worker's compensation insurance. There are "safety groups" out there that ban together in the same class code for the spreading of risk on injured employees. Using these "safety groups" is quite often a 20% discount up front and then a back-end dividend, the dividend depending on the experience of the whole group.
Once the restaurant owner is accepted into a group, they never leave, as the discounts are too large to replace elsewhere. It's what every pizzeria, brew pub, wine bar & sub shop should be doing. You can request a quote by going to www.nyrestaurantinsurance.com