NAICS UNIVERSITY · Free research for insurance agents
Caterers
NAICS 722320 · United States · 2022 edition
This industry comprises establishments primarily engaged in providing single event-based food services. These establishments generally have equipment and vehicles to transport meals and snacks to events and/or prepare food at an off-premise site. Banquet halls with catering staff are included in this industry. Examples of events catered by establishments in this industry are graduation parties, wedding receptions, business or retirement luncheons, and trade shows.
Food service can create losses beyond the dining room.
For Caterers, 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
- Does the operation serve alcohol at events, and if so, does the caterer hold a liquor license or serve under the client's or venue's license?
- Is there an owned banquet hall, event space, or commissary kitchen — and is it owned or leased?
- What is the average number of guests served per event, and what is the maximum event size?
- What types of events are served — primarily private social events, corporate, institutional, or a mix?
- How is food transported to events — owned vehicles, leased vehicles, or employee personal vehicles?
- What is the full-time versus part-time and seasonal staffing breakdown, and how is day-of-event labor sourced?
- Is there any open-flame, propane, or deep-fry cooking performed on-site at event locations?
- What is the total value of portable equipment, tents, and serving items transported to events?
Activities described by this code
Other activities to examine
- Preparing and serving meals and snacks for immediate consumption from motorized vehicles or nonmotorized carts: 722330 — Mobile Food Services
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
Caterers prepare, transport, and serve food and beverages at client-designated locations — weddings, corporate lunches, graduation parties, trade shows, and similar events. Operations may involve a central commissary kitchen for prep, owned vehicles for transport, temporary setups at event venues, and on-site staff for service. Some caterers also operate owned banquet halls where events are hosted on-premises.
Questions to investigate
- Does the operation serve alcohol at events, and if so, does the caterer hold a liquor license or serve under the client's or venue's license?
- Is there an owned banquet hall, event space, or commissary kitchen — and is it owned or leased?
- What is the average number of guests served per event, and what is the maximum event size?
- What types of events are served — primarily private social events, corporate, institutional, or a mix?
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.