NAICS UNIVERSITY · Free research for insurance agents
Vending Machine Operators
NAICS 445132 · United States · 2022 edition
This U.S. industry comprises establishments primarily engaged in retailing merchandise through vending machines that they service.
Start the review with commercial auto.
For Vending Machine Operators, the saved research highlights commercial auto, products liability, inland marine (equipment/machines). Confirm how these arise in the actual operation, what controls are used and whether additional services change the proposed coverage.
Questions to ask
- How many machines does the operation currently have placed, and at what types of locations — offices, schools, hospitals, industrial?
- What product types are dispensed — packaged snacks and beverages only, or fresh/refrigerated prepared food?
- How many vehicles are in the fleet, and do drivers use personally owned or subcontracted vehicles for any routes?
- What is the MVR history across all scheduled drivers?
- Are any machines connected to cashless payment systems or remote monitoring platforms?
- How is cash collected and handled from machines — what controls are in place?
- Are host-site contracts requiring additional insured status or specific liability limits in place?
- Has the operation had any prior product liability, auto, or theft losses, and what were the circumstances?
Activities described by this code
Other activities to examine
- Supplying and servicing coin- or card-operated personal service machines, such as photobooths and lockers: 812990 — All Other Personal Services
- Supplying and servicing coin- or card-operated amusement and gambling devices in places of business operated by others: 713 — Amusement, Gambling, and Recreation Industries;
- Renting prerecorded digital video discs (DVDs) through vending machines: 532282 — Video Tape and Disc Rental
Census classification reference
For educational purposes only. AI-generated insurance research and automated logic can contain errors. Independently verify classification and coverage decisions.
Compare another operationInsurance operations research — draft
Vending machine operators own, place, stock, and service automated retail machines at third-party locations — offices, schools, hospitals, factories, transit hubs, and similar sites. Drivers follow scheduled routes to replenish product, collect revenue, and perform basic mechanical maintenance. The operator typically owns the machines and often pays a commission or location fee to the host site.
Questions to investigate
- How many machines does the operation currently have placed, and at what types of locations — offices, schools, hospitals, industrial?
- What product types are dispensed — packaged snacks and beverages only, or fresh/refrigerated prepared food?
- How many vehicles are in the fleet, and do drivers use personally owned or subcontracted vehicles for any routes?
- What is the MVR history across all scheduled drivers?
This insurance research was generated in April 2026. It has not received a complete human review. The October 12, 2026 audit checked codes and titles only, not descriptions or coverage assertions.