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.
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.
View →California
CalCode, food manager, ABC limited dram-shop rule.
View →Washington
Food Worker Card, WSLCB, monopolistic L&I workers comp.
View →Idaho
Public Health District permits, limited dram-shop statute.
View →Utah
Food handler permits, DABS, dram-shop insurance required.
View →Nevada
County permits, city/county liquor, no adult dram-shop.
View →Arizona
County permits, DLLC Series 12, dram-shop statute.
View →Montana
Local licensing, control state, 180-day dram-shop notice.
View →Colorado
Dual liquor licensing, high-bar dram-shop with a cap.
View →Texas
Food handler training, TABC dram-shop act, voluntary workers comp.
View →New Mexico
NMED permits (Albuquerque carve-out), high-bar dram-shop.
View →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.
Not sure what your state requires?
Tell us your concept and where you operate, and we will line up coverage, liquor liability, and workers comp with your state's rules.