NAICS UNIVERSITY · Free research for insurance agents
Snack and Nonalcoholic Beverage Bars
NAICS 722515 · United States · 2022 edition
This U.S. industry comprises establishments primarily engaged in (1) preparing and/or serving a specialty snack, such as ice cream, frozen yogurt, cookies, or popcorn, or (2) serving nonalcoholic beverages, such as coffee, juices, or sodas for consumption on or near the premises. These establishments may carry and sell a combination of snack, ACCOMMODATION AND FOOD SERVICES 563 nonalcoholic beverage, and other related products (e.g., coffee beans, mugs, coffee makers) but generally promote and sell a unique snack or nonalcoholic beverage.
Food service can create losses beyond the dining room.
For Snack and Nonalcoholic Beverage Bars, review food preparation and off-premises sales alongside customer access. Ask about catering, delivery, packaged products and other services; the full mix must be disclosed to the underwriter.
Questions to ask
- Is the location independently owned or part of a franchise — and if a franchise, are there specific insurance requirements in the franchise agreement?
- Is there any alcohol service, even limited beer and wine?
- What food preparation happens on-site — is there baking with commercial ovens, frying, or primarily cold preparation?
- What is the value of specialty equipment on-site (espresso machines, ice cream equipment, commercial refrigeration)?
- Is the location owned or leased, and if leased, what is the value of tenant improvements and betterments?
- Are there owned vehicles used for delivery, catering, or supply runs?
- Do employees use personal vehicles for business errands or supply pickups?
- Is there drive-through service, and if so, what does the traffic flow and pedestrian interaction look like?
Activities described by this code
- Beverage bars, nonalcoholic, fixed location
- Doughnut shops, on premise baking and carryout service
- Bagel shops, on premise baking and carryout service
- Pretzel shops, on premise baking and carryout service
- Cookie shops, on premise baking and carryout service
- Coffee shops, on premise brewing
- Ice cream parlors
- Juice bars, nonalcoholic, fixed location
Other activities to examine
- Preparing and serving snacks and nonalcoholic beverages from mobile vehicles for immediate consumption: 722330 — Mobile Food Services;
- Operating as street vendors (except food) or retailing food (except food prepared and served for immediate consumption): 44-45 — Retail Trade
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
Snack and nonalcoholic beverage bars prepare and serve specialty food and drink items — coffee drinks, smoothies, juices, ice cream, frozen yogurt, baked goods, or other snack items — for consumption on or near the premises. Operations typically involve customer-facing counter service, food and beverage preparation equipment, and some degree of retail product sales (beans, syrups, branded merchandise). Many locations operate as franchises with standardized menus and branded environments.
Questions to investigate
- Is the location independently owned or part of a franchise — and if a franchise, are there specific insurance requirements in the franchise agreement?
- Is there any alcohol service, even limited beer and wine?
- What food preparation happens on-site — is there baking with commercial ovens, frying, or primarily cold preparation?
- What is the value of specialty equipment on-site (espresso machines, ice cream equipment, commercial refrigeration)?
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.