NAICS UNIVERSITY · Free research for insurance agents
Food Service Contractors
NAICS 722310 · United States · 2022 edition
This industry comprises establishments primarily engaged in providing food services at institutional, governmental, commercial, or industrial locations of others based on contractual arrangements with these types of organizations for a specified period of time. The establishments of this industry provide food services for the convenience of the contracting organization or the contracting organization's customers. The contractual arrangement of these establishments with contracting organizations may vary by type of facility operated (e.g., cafeteria, restaurant, fast-food eating place), revenue sharing, cost structure, and personnel provided. Management staff is always provided by food service contractors.
Food service can create losses beyond the dining room.
For Food Service Contractors, review food preparation and alcohol service alongside customer access. Ask about catering, delivery, packaged products and other services; the full mix must be disclosed to the underwriter.
Questions to ask
- How many contract locations does the operation currently serve, and what types of facilities — schools, hospitals, corporate, stadiums, corrections?
- Is alcohol served at any contract locations, and if so, what is the approximate percentage of revenue from alcohol sales?
- Does the contractor own the cooking and serving equipment at client sites, or does the client organization own it?
- Are there any contracts that impose broad indemnification or specific insurance limit requirements on the contractor?
- Has there been any history of foodborne illness events, health department citations, or product liability claims?
- Do employees travel between multiple client sites, and do they ever use personal vehicles for supply runs or site-to-site travel?
- Are operations limited to a single state, or does the contractor have workers in multiple states with varying workers' comp requirements?
- Are any airline catering, corrections, or other specialized-facility contracts part of the current or anticipated book of business?
Activities described by this code
- Airline food service contractors
- Food concession contractors (e.g., at sporting, entertainment, convention facilities)
- Cafeteria food service contractors (e.g., at schools, hospitals, government offices)
Other activities to examine
- Providing food services on a single-event basis: 722320 — Caterers;
- Supplying and servicing food vending machines: 445132 — Vending Machine Operators
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
Food service contractors operate cafeterias, dining halls, concession stands, and institutional food programs on behalf of client organizations — schools, hospitals, corporations, stadiums, and government facilities. They typically supply management staff, food preparation labor, menu planning, and sometimes equipment, all under a contractual arrangement that may involve revenue sharing or cost-plus structures. Locations are almost always owned or leased by the contracting organization, not the food service contractor itself.
Questions to investigate
- How many contract locations does the operation currently serve, and what types of facilities — schools, hospitals, corporate, stadiums, corrections?
- Is alcohol served at any contract locations, and if so, what is the approximate percentage of revenue from alcohol sales?
- Does the contractor own the cooking and serving equipment at client sites, or does the client organization own it?
- Are there any contracts that impose broad indemnification or specific insurance limit requirements on the contractor?
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.