NAICS UNIVERSITY · Free research for insurance agents
Limited-Service Restaurants
NAICS 722513 · United States · 2022 edition
This U.S. industry comprises establishments primarily engaged in providing food services (except snack and nonalcoholic beverage bars) where patrons generally order or select items and pay before eating. Food and drink may be consumed on premises, taken out, or delivered to the customer's location. Some establishments in this industry may provide these food services in combination with selling alcoholic beverages.
Food service can create losses beyond the dining room.
For Limited-Service Restaurants, 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 location sell any alcohol — beer, wine, or spirits — and if so, what percentage of revenue comes from alcohol sales?
- Is any food delivery performed, and do employees use personal vehicles or owned/leased restaurant vehicles for delivery?
- Are there any third-party delivery app arrangements, and does the restaurant accept liability for those transactions?
- When were the hood and fire suppression systems last inspected and certified?
- Is this a franchise operation, and if so, does the franchise agreement specify minimum insurance limits or required coverages?
- How many employees are on payroll, and what is the typical annual payroll figure for workers' comp rating purposes?
- Has the location had any prior foodborne illness claims, slip-and-fall incidents, or other significant losses in the past three to five years?
- Does the operation use any online ordering, stored customer payment data, or loyalty program platforms that collect personal information?
Activities described by this code
- Delicatessen restaurants
- Pizza delivery shops
- Family restaurants, limited-service
- Takeout eating places
- Fast-food restaurants
- Fast casual restaurants
- Takeout sandwich shops
- Limited-service pizza parlors
Other activities to examine
- Preparing and serving meals for immediate consumption using cafeteria-style serving equipment, known as cafeterias: 722514 — Cafeterias, Grill Buffets, and Buffets
- Providing food services to patrons who order and are served while seated and pay after eating: 722511 — Full-Service Restaurants
- Selling a specialty snack (e.g., ice cream, frozen yogurt, candy, cookies) or nonalcoholic beverage, except from mobile vehicles, for consumption on or near the premises: 722515 — Snack and Nonalcoholic Beverage Bars
- Retailing confectionery goods and nuts not packaged for immediate consumption: 445292 — Confectionery and Nut Retailers
- Retailing baked goods (e.g., pretzels, doughnuts, cookies, and bagels) not baked on the premises and not for immediate consumption: 445291 — Baked Goods Retailers
- Preparing and serving alcoholic beverages, known as bars, taverns, or nightclubs: 722410 — Drinking Places (Alcoholic Beverages);
- 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
Limited-service restaurants prepare and serve food and beverages where customers order and pay at a counter, kiosk, drive-through, or app before eating. Food may be consumed on premises, taken out, or delivered. Operations typically include a commercial kitchen with fryers, grills, and ovens, a customer-facing ordering area, and may include drive-through lanes, delivery, or third-party app fulfillment. Some locations sell beer or wine in addition to food.
Questions to investigate
- Does the location sell any alcohol — beer, wine, or spirits — and if so, what percentage of revenue comes from alcohol sales?
- Is any food delivery performed, and do employees use personal vehicles or owned/leased restaurant vehicles for delivery?
- Are there any third-party delivery app arrangements, and does the restaurant accept liability for those transactions?
- When were the hood and fire suppression systems last inspected and certified?
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.