NAICS UNIVERSITY · Free research for insurance agents
Full-Service Restaurants
NAICS 722511 · United States · 2022 edition
This U.S. industry comprises establishments primarily engaged in providing food services to patrons who order and are served while seated (i.e., waiter/waitress service) and pay after eating. These establishments may provide this type of food service to patrons in combination with selling alcoholic beverages, providing carryout services, or presenting live nontheatrical entertainment.
Start the review with liquor liability.
For Full-Service Restaurants, the saved research highlights liquor liability, premises liability, completed operations / food-borne illness. Confirm how these arise in the actual operation, what controls are used and whether additional services change the proposed coverage.
Questions to ask
- What percentage of total gross sales comes from alcohol — and does that include liquor, beer, wine, or a combination?
- What are the hours of operation, and are there late-night or after-hours events?
- Is there any live entertainment, DJ, dancing, or nightclub-style activity on the premises?
- Does the restaurant offer delivery, and if so, are employees using personal vehicles or owned vehicles?
- How many employees are on payroll, and what is the breakdown between kitchen and front-of-house staff?
- Are there any outdoor dining areas, rooftop seating, or off-premises catering operations?
- What is the prior loss history, particularly any liquor liability, slip-and-fall, or food illness claims?
- Is the location owned or leased, and what is the value of leasehold improvements and kitchen equipment?
Activities described by this code
Other activities to examine
- Providing food services where patrons generally order or select items and pay before eating, other than mobile food services, cafeterias, grill buffets, buffets, and snack and nonalcoholic beverage bars: 722513 — Limited-Service Restaurants
- Preparing and serving meals for immediate consumption using cafeteria-style or buffet serving equipment, known as cafeterias, grill buffets, or buffets: 722514 — Cafeterias, Grill Buffets, and Buffets
- Selling a specialty snack (e.g., ice cream, frozen yogurt, cookies, popcorn) or nonalcoholic beverage, except from mobile vehicles, for consumption on or near the premises: 722515 — Snack and Nonalcoholic Beverage Bars
- Preparing and serving alcoholic beverages and known as bars, taverns, or nightclubs: 722410 — Drinking Places (Alcoholic Beverages)
- Operating a civic or social association with a restaurant for their members: 813410 — Civic and Social Organizations
- Restaurant meals order and delivery services (i.e., independent order and delivery services): 492210 — Local Messengers and Local Delivery
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
Full-service restaurants employ waitstaff to take orders, serve food and beverages at the table, and collect payment after the meal. Operations typically include a commercial kitchen, dining room, and often a bar area. Many establishments also offer carryout, limited delivery, private dining events, or weekend brunch service, and some host live acoustic or background entertainment.
Questions to investigate
- What percentage of total gross sales comes from alcohol — and does that include liquor, beer, wine, or a combination?
- What are the hours of operation, and are there late-night or after-hours events?
- Is there any live entertainment, DJ, dancing, or nightclub-style activity on the premises?
- Does the restaurant offer delivery, and if so, are employees using personal vehicles or owned vehicles?
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.