Every figure on this site comes from a public source cited beside it. Where data is withheld or missing, we omit it rather than estimate. We do not publish average premiums, because restaurant pricing depends on underwriting each operation.
Sources
- Restaurant and bar counts, employment, and payroll: U.S. Census Bureau, County Business Patterns 2023: food services and drinking places (NAICS 722), full-service restaurants (722511), limited-service restaurants (722513), drinking places (7224), caterers (722320), and mobile food services (722330).
- Cook and server employment and wages: U.S. Bureau of Labor Statistics, Occupational Employment and Wage Statistics, May 2025 (restaurant cooks 35-2014; waiters and waitresses 35-3031).
- Remote work and housing: U.S. Census Bureau, American Community Survey 5-year estimates, 2020–2024 (tables B08301, B25003, B25024, B25035), via Census Reporter.
- Population: U.S. Census Bureau Vintage 2024 city population estimates. In-depth city guides cover the largest cities in each state with complete Census data.
- Liquor liability laws: state statutes named on each state page.
Coverage explanations
Guides describe how restaurant insurance commonly works. Policy forms vary by insurer, and the issued policy controls. Nothing here is legal advice. A quote is not a binder.
Updates
Pages show a last-updated date. Last reviewed October 15, 2026.