Restaurant insurance by state

Liquor rules and workers comp change at the state line.

Restaurant compliance varies a lot by state, and the biggest insurance differences are dram-shop liability and workers comp. Pick your state for a plain-language overview of food permits, liquor licensing, workers comp, and food trucks, with the official sources to verify it.

Choose your state

Where do you operate?

Eleven western states. Each page is general information, not legal advice, and links the official agencies to confirm current rules.

Oregon

Food handler cards, OLCC, dram-shop exposure.

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California

CalCode, food manager, ABC limited dram-shop rule.

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Washington

Food Worker Card, WSLCB, monopolistic L&I workers comp.

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Idaho

Public Health District permits, limited dram-shop statute.

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Utah

Food handler permits, DABS, dram-shop insurance required.

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Nevada

County permits, city/county liquor, no adult dram-shop.

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Arizona

County permits, DLLC Series 12, dram-shop statute.

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Montana

Local licensing, control state, 180-day dram-shop notice.

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Colorado

Dual liquor licensing, high-bar dram-shop with a cap.

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Texas

Food handler training, TABC dram-shop act, voluntary workers comp.

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New Mexico

NMED permits (Albuquerque carve-out), high-bar dram-shop.

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Last verified June 2026. Food, liquor, and labor rules vary by city and county and change over time. Always confirm current requirements with your local health department, state alcohol agency, and the workers comp authority before you rely on this.

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