Food Liability Insurance Program 2025 Food & Beverage Industry Economic Trends Report PDF Free Download
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Food Liability
Insurance Program
2025
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1. Introduction
2. General Food Industry Overview
3. Non-Event Based Market Segments
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5. Conclusion & Takeaways
6. Sources
Table of Contents
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1. Introduction
2025 is set to be another year of opportunity for small to midsize
food businesses in the U.S. While there have been concerns about
economic uncertainty and shifting consumer spending priorities,
consumers continue to spend more on dining out than ever
before! We hope this guide will help you navigate the year ahead
with key industry trends, economic data and operational insights
for a successful 2025.
Quick Take: State of the Industry
3
“The discovery of a new dish does more for the happiness of
the human race than the discovery of a star.”
- Jean Anthelme Brillat-Savarin, The Physiology of Taste: Or, Meditations on Transcendental Gastronomy
52% of business owners said
their business grew in 2024
79% of business owners expect
their business to grow in 2025
42% cite rising costs (food, labor,
etc.) as the top challenge in 2025
Finding the Balance: When surveyed, customers say quality of food and price are the most
important factors when choosing where to eat
Will Travel for Food: 36% of diners are willing to travel 10-20 miles, 29% say 20+ miles, for a
unique dining experience
52
%
79
%
42
%
0% 10% 20% 30% 40%
$0-10
$11-20
$21-30
$31-40
$41-50
$50+
5%
37%
33%
14%
11%
6%
2. General Food Industry Overview
Consumers Continue to Spend More on Dining Out Than Ever Before
4
Customer Behavior Trends
In 2024 Americans spent more than half of their food budget on “food away from home” – an all-time
high of 55.7%
The average monthly spend for dining at restaurants in 2024 increased by 15%, from $191 in 2024
to $166 in 2023
Affordability is Key
Cost Per Meal
Longer Wait Times? No Problem!
Diners are willing to wait up to 26 minutes without a reservation, compared to only 20 minutes in
the previous year
Diners Prefer to Go Out vs. Stay In With Takeout
In 2024, the average person dined out 4.6x per month compared to 3x per month in 2023
Takeout decreased with the average person ordering takeout 3x per month in 2024 compared to 4.5x
per month in 2023
Consumers are Eating Out-of-Home on the Regular (dining out, takeout, food trucks, etc.)
In a FLIP survey, 60% of people said they eat out on a weekly basis and an additional 22% reported
dining out 2-3 times per month
That same survey found that 71% of consumers plan to keep the same dining out habits in 2025,
and 18% plan to eat out more
QR Codes are Out
90% of consumers prefer print menus over QR codes
80% of Diners Prefer to Go Cashless
68% prefer to pay with card and 12% want mobile payment options
70% of diners surveyed by FLIP say they are willing to spend between $11 and $30 when dining out
0-9% 10-15%
15-20% 20%+
5
Skip the Suit, Casual Dining Is In
Casual dining continues to be the most popular restaurant type when dining out, climbing up to
69% in 2024
According to the National Restaurant Association’s “2025 What’s Hot Forecast,” it’s okay to take risks when it
comes to flavor in 2025 – and don’t forget to support local!
Cuisine & Menu Trends
In Good Company
Atmosphere and socialization remain the top reasons diners prefer to dine out
Tipping Remains Relatively Consistent
On average, customers tipped 18% of the bill in 2024, which remains the same as the previous year
29% of businesses surveyed by FLIP said tip amounts remained the same, while 13% reported an
increase in 2024
43%
28%
6%
24%
Quick Service Locations, However, See Lower Tip Amounts
Quick Service Tipping Trends
In a recent customer survey, the majority of respondents said they tip just 10-15% when dining at a
quick-service location, such as a food truck
Honey and hot honey top both the ingredients and
condiments categories
Bold flavors of Southeast Asian Cuisine are gaining
mainstream popularity
Hyper-local beer and wine offerings will be a menu staple
Mexican Food Remains a Fan Favorite
6
When surveyed, 28% of consumers listed Mexican
as their favorite out-of-home cuisine type
Other types include American (23%), Italian (18%),
Asian (15%), Mediterranean (8%), BBQ (6%) and
others, such as seafood and Indian, accounted for 2%
Industry Pros and Consumers are Split on Sustainability
While industry professionals continue to see a business’ commitment to sustainability as a key factor for
consumers, a recent FLIP survey revealed that only 20% see it as “very important”
The Majority of Business Owners Plan to Leave Their Menus Alone in 2025
46% of businesses plan to make adjustments to their food and drink offerings this year
Customization of Menu Items is an Important Factor for Many Diners
90% of customers said that the ability to customize an order to taste or health preferences is “very
important” or “somewhat important”
Food Prices Will Remain a Challenge for Businesses in 2025
Food & Labor Costs Outlook
64% of business owners anticipate food costs will continue to rise in 2025
60% reported rising food costs as affecting their net income in 2024
Business owners were split in their ability to adjust menu prices to reflect the increase in food costs,
with 45% being unable to keep up with inflation
Increased Operating Costs, Supply Chain Disruptions and Corporate Profits are Driving Food Prices
In general, food prices are up 28% since 2019
The USDA is predicting a 2% increase in food prices for 2025
Other factors include the rising cost of diesel (up 22% since 2020) and beef is at an all-time high
Business Owners are Hopeful with Labor Costs
54% of surveyed owners anticipate labor costs will remain the same in 2025; however, 43% are
expecting an increase
While 40% of owners expect their profit margin to be more 10%, the other 60% of food business owners
expect their profit margin to be under 10%
Get On Site
7
Online Presence Is Key
77% of diners visit a restaurant's website before they dine in or order out
35% of diners are influenced by online reviews when choosing where to eat
85% of diners look at the menu online first
Marketing & Technology Trends
It’s Time to Get Social
Social media remains one of the top ways to promote food businesses. From tasty visuals to influencer
partnerships, maximize your online presence to drive brand identity and loyalty.
Facebook was the most popular platform for finding and following food businesses according to a FLIP
survey (54% of respondents) and Instagram was second (36%)
Events are a great way for mobile food businesses
to drive revenue and expand brand awareness
PRO TIP: Look for event partners who are
willing to share and promote your
participation to expand reach
54% of diners say discounts are the most effective promotion
Loyalty programs ranked second with around 20% saying they were most impactful
Daily deals like Taco Tuesday and seasonal promotions like Summer Drink Specials were noted as
customer favorites with 65% saying these types of promotions influenced their dining choices
Interesting Note: Free samples and social media giveaways were not considered as successful
promotions according to a survey of diners
Attract and Nurture Loyal Customers
79% of business owners said they “were not” or “unsure if they will” implement AI in 2025
Just 13% of owners surveyed say they are using AI features as a part of their business operations
Food Businesses Are Hesitant to Implement Artificial Intelligence (AI)
67% surveyed said they were unsure if they will increase ad spends in 2025
30%, however, plan to spend more
Business Owners are Unsure About Advertising
0% 5% 10% 15% 20% 25% 30% 35%
Accident Causing Damage
Auto/Trailer
Theft
Food Spoilage
Weather
Diner/Customer Related Claim
Other
Equipment Failure
Lawsuit
Fire
Missed Event
Flood
> 10%
2-9%
< 1%
8
2024 FLIP Claims Data
The number of food business insurance claims decreased 4.4% in 2024 compared to the previous year
The top insurance claim type in 2024 was an accident causing damage, representing 31% of all claims
Insurance Trends & Claims Data
2024 Food Business Claims
Claims Payout Data
The average payout of claims in 2024 was $3,3385
61% of all claims filed resulted in a payout
Claim Payouts by State
Breads
32%
Cakes
23% Rolls
19%
Other
14%
Retail Bakery Products
10%
Pies
2%
9
3. Non Event-based Market Segments
Bakers Statistics & Trends
The Baking Sector Is Growing, Fueled by Automation
Reports indicate that the baking sector experienced growth of 1.62% from 2023 to 2024
In 2024, bakery shops generated approximately $18.3B while bakery products generated over $47.5B
Bakers indicated that due to labor challenges, they were investing in automation to improve margins and
boost output
Margins Are Still Tight in Baking
Bakers tend to have an overall profit margin ranging from 5% to 10%, well below other industries. Product
margins are estimated to be between 25% and 35%.
The industry continues to face pressures from competition, fluctuating raw material costs, and consumer
price sensitivity
Health-conscious menu items continue to be
top of mind for consumers. Bakeries can
capitalize on this trend by introducing healthier
options. This includes using natural
sweeteners, whole grains and ancient grains,
sourdough and more.
Vegan options also continue to rise in
popularity among health-conscious eaters,
along with gluten-sensitive offerings
Labor Costs Continue to Rise
The median pay for labor in baking is $16.80/hr – up 6.6% over 2023
65% of all bakeries have less than 10 employees and 44% have one to four employees. The majority of
bakers only have one facility.
Wellness Goods Are on the Rise
GO BOLD: Consumers are more open than ever to bold and exotic flavor combinations. This is an opportunity
for non-traditional bakeries to stake their claim.
10
Home Food Businesses (Cottage) Statistics & Trends
New Legislation and Increased Consumer Demand Is Fueling the Cottage Food Industry’s Growth
As of 2025, 49 states and the District of Columbia have cottage food programs, including new
measures in states like Arizona, which permits the sale of certain perishable foods requiring temperature
control such as homemade tamales and other items containing meat or dairy
The state expects this new industry to generate over $50M in 2025
Other states like Hawaii, Illinois, New Jersey, and Nebraska sought to expand laws to allow for new
products and businesses to enter the industry
L.A. County launched a new permit program allowing residents to sell food prepared in their home
kitchens with eligibility requirements and restrictions
Less Intensive Items Continue to Sell Best
Baked goods: This category consistently
tops the list of bestsellers, including:
Breads (loaves, rolls, biscuits)
Cakes and cupcakes
Cookies
Muffins
Pastries and pies
Jams, jellies, and preserves: These
products are popular due to their long
shelf life and appeal to the artisanal
market consumer
Candies and confections: Including:
chocolates, fudge, brittles, and caramels
Snack foods:
Kettle corn and flavored popcorn
Granola
Roasted nuts
Crackers and pretzels
Dried goods and seasonings:
Spice blends
Dry tea blends
Dried pasta
Specialty items:
Honey
Fruit butters
Chocolate-covered fruits
FUN FACT: Pickled goods have a high
profit margin of 50% and can cost as little
as $1,000 to start a business, making them
the most lucrative option
11
Personal Chefs Statistics & Trends
Personal Chef Growth Slowed in 2024, but Expected to
Rise Again in 2025 and Beyond
The personal chef industry was estimated to be
$4.5B in 2024, relatively flat from 2023
There are approximately 6,500 personal chef
businesses in the US, up an average of 5.7%
annually from 2019, with growth expected to
increase to 6.5% annually from 2025-2030
Margins Remain High While Net Income Remains Flat
The average salary of a private chef in the United
States as of January 2025 ranges from $68,493 to
$92,464 per year
The average operating margin for personal chefs
is among the highest in the food sector, with
average margins of 80%
“Destination” cities represent the highest hourly rates for personal chefs:
New York City: $50-$100/hr
Los Angeles: $45-$90/hr
Miami: $40-$85/hr
Chicago: $40-$80/hr
The North America personal chef services market accounted for a market share of around 35% in 2024 in
the global market
The average costs of personal chefs are as follows:
Top Menu Trends:
Global Fusions: Private chefs are combining flavors from around the world to create innovative
dishes that cannot be found elsewhere
Authentic Regional Dishes: Locally sourced and authentic ingredients to create immersive and
unique cultural experiences
Vegan Cuisine: Meals incorporating plant-based proteins and vegan alternatives are becoming
increasingly more common
Sustainable Seafood: The industry is becoming more conscious about the sustainability of seafood
12
Pet Bakeries Statistics & Trends
Consumer Spending on Pets Is Fueling Massive Growth in the Sector
The global pet snacks and treats market size was estimated at $36.38B in 2023 and was projected to
grow at a CAGR of 11.8% from 2024 to 2030
The direct-to-customer pet food market was valued at $2.8B in 2024 with expectations that the sector will
continue to grow at 13.1% from 2025 to 2030
In 2024, individual gourmet dog treats ranged from $1 to $5 per piece on average, up from $.75 to $3.50
in 2023, depending on size and ingredients
Packages containing multiple treats range from $10 to $30+, influenced by the number of treats and the
quality of ingredients
Buying Premium for Your Family
Premium and Natural Products: There is a growing consumer preference for premium and natural pet
treats, driven by increased awareness of pet health and nutrition. Pet owners are seeking high-quality
ingredients and products that offer health benefits, such as improved digestion and dental health.
Humanization of Pets: Pets are increasingly regarded as family members, leading to higher spending on
specialized pet products, including treats
Customized Treats: A major growth area in the industry is the introduction of personalized pet treats
tailored to individual dietary needs and preferences of the pets. These premium products are
experiencing significant growth, with a reported 30% increase in demand.
Business Basics
Specialty dog treat bakery owners in the US typically earn between $30,000 to $70,000 per year
Specialty dog treat bakery owners typically aim for a margin of 40% to 60% on their products
Startup costs to open a pet bakery or food business range between $65,000-$235,000 on average and
include the need for a commercial feed license in most states
Setting the Menu
The top five flavors are chicken, beef, lamb, salmon, and turkey. That said, new up-and-coming flavors
have gained popularity such as beetroot, carrot, pea, spinach, pumpkin, and blueberry.
13
4. Event-Based Market Segments
Mobile Bartenders
Mobile Bar Sector Growth Expected to Continue
There are more than 1,100 mobile bar
businesses in the US, with the most in
California, Texas, and Florida
Employment of bartenders is projected to
grow 9% from 2023 to 2033, much faster
than the average for all occupations
Most mobile bar companies and bartenders
operate as a Sole Proprietorship or Limited
Liability Company (LLC), and have less than
10 employees
2024 saw a rise in unique experiences,
such as gender-specific or themed mobile
bartending companies, in an effort to stand
out against competition
Costs vs. Revenue
The average hourly pay for a private bartender in the United States is $15.91 as of January 2025
The average cost for a four hour event is between $1,150 and $2,450
While exact statistics were not readily available, our research showed that a significant majority of mobile
bar companies follow a dry hire model
Average cost of a liquor license is $1,500 but will vary by state
It is possible to launch a mobile bartending business for less than $5,000
Marketing
The pros say to market via visual platforms (such as Instagram and TikTok) that allow potential clients
to see your unique flavor, professionalism, and drink-making talents
If you are just starting out, experts say to host your own event to showcase your new company, or offer
a steep discount to non-profit groups, friends and family, etc. so your target market can see and
experience your business
Menu Trends
Focus on unique, craft cocktails with fun names. This adds a personal touch that will make your client and
their guests feel special! Also, throw in some locally-sourced ingredients if possible.
Place an emphasis on storytelling around cocktails – gone are the days of the vodka soda
Don’t forget the non-alcoholic and low-ABV options!
0.0% 20.0% 40.0% 60.0%
Corporate Parties/Events 68.9%
Holiday Parties 57.8%
Birthday Parties 57.0%
Outdoor Events 55.6%
Weddings 51.9%
Festivals 40.7%
Graduations 39.3%
Anniversaries 39.3%
Fundraisers/Galas 34.1%
Baby Showers 31.9%
Percentage
14
Catering Statistics & Trends
Catering Revenues Still Down From Pre-Pandemic Levels but Expected to Rise
Industry revenue declined at a CAGR of 1.3% over the past five years to reach an estimated $14.8B in
2024. This was mostly driven by the pandemic; however, a return to office and increase in social and
corporate events indicate a resurgence in growth of 6.2% YoY.
In fact, 80% of companies ordered catering at least once a month in 2024
Corporate parties are the most popular type of event for catering businesses, with 68.9% of FLIP survey
respondents selecting this category
When it comes to event size, 47.8% of respondents said their average guest count is 51–100 guests
Top 10 Catering Event Types
47.8% 51-100 guests
26.5% 101-200 guests
15.4% <50 guests
7.4% 201-500 guests
1.5% 2,000+ guests
0.7% 1,000-2,000 guests
0.7% 500-1,000 guests
Online Ordering is Key: The majority of catering orders (75%) are placed online on mobile or desktop. Phone
calls still make up a 30% portion of catering orders.
Menu Trends
Health-focused menus, diverse ethnic cuisines, and sustainable practices are gaining popularity
50% of catering business owners surveyed by FLIP say barbecue/grilled food is the most requested
menu item
Farmers Market/Food Festival Sellers Statistics & Trends
Farmers Markets and Food Festival Demand Continues
to Rise
The number of farmers markets in the US has
grown from just under 2,000 in 1994 to more than
8,600 currently registered in the USDA Farmers
Market Directory. The number of markets is
estimated to surpass 9,500 in 2025
The market size of the Farmers Markets industry
in the US is $1.4B in 2025
California leads the nation with the number of
markets (827), followed by New York (647). Other
states embracing markets include Michigan,
Wisconsin, and Illinois.
The average number of vendors at each market is
39 vendors, with small communities averaging 24
and large communities averaging 58
Farmers Markets and Food Festival Demand Continues to Rise
38% of U.S. consumers are likely to attend food and drink festivals
Over 50% of millennial travelers assert that food plays a major role in selecting travel destinations
A study of Pennsylvania farmers markets shed light on farmers market consumer behavior broadly. It
found:
32% of consumers visit a weekly market 2-3 per month, while 34% visit every week. This data
indicates that focusing on repeat business should be a large focus for vendors.
49% of consumers will spend between $11-$30 while 30% will spend over $40, showcasing the
propensity of consumers to spend more than ever
The largest age group of frequent market customers are aged 51+, which could influence the
types of products and services offered at the markets.
Vendors Are Earning More
The majority of farmers market vendor net incomes currently range between $43,000 (25th percentile) to
$110,000 (75th percentile) with top earners (90th percentile) making $129,500 annually across the United
States. This is an increase over 2023.
Visual Tips from FLIP Customers on Merchandising a Farmers Market Display
Create a Sense of Abundance
Don’t Over Clutter
Clearly Label All Items
Offer Free Samples
Tell Your Story
Customer-Friendly Space
Be Visible & Engage Customers
Add Seasonal Flair
Maintain Balance
15
Food Cart/Truck Statistics & Trends
The Food Cart/Truck Market Shows No Signs of Slowing Down
The number of food truck businesses in the U.S. increased by 15.9%
between 2018 and 2024, totaling over 58,000 food trucks
The mobile food truck and cart industry grew from $1.8B in 2023 to $2.1B in
2024, with a compound annual growth rate (CAGR) of 17.6%
No single company owns more than 3% of the food truck market, and 90%
of all food truck businesses in the US are privately owned and operated
Revenue and Cost Analysis
The average revenue for food trucks in 2024 was $346,000, with larger markets generating more
revenue. Below is average revenues per top and bottom 5 states:
Top 5 States:
New York: $492,545
California: $482,751
Arizona: $443,130
Texas: $437,843
Florida: $434,797
Bottom Five States:
Minnesota: $308,538
Alaska: $308,690
South Dakota: $312,875
Montana: $315,423
North Dakota: $316,602
In 2024, the average food truck profit margin was 6.2%, which is significantly higher than that of
restaurants, which typically sits at around 1% to 3%
The average food truck owner made between $24,000 and $153,000 in profit in 2024 and employed
1.2 employees on average
Wage costs have continued to rise, increasing by 14.8% from 2019 to 2024. The average wage for a
food truck or cart worker is $57,109, which is over 10% higher than a restaurant line cook.
2024 saw a rise in prices of goods in the food truck industry, with the average cost of operation rising
7.8% in 2024 over 2023
Permitting and parking remain some of the highest costs (besides food) in the industry, with
permits reaching almost $2,000 annually and parking between $300 and $1000 monthly
Consumer Behavior
37% of consumers indicated in a FLIP survey that they hear about food festivals and farmers
markets via social media, while 30% hear of them from family and friends (word-of-mouth)
Operators report that evenings are still the busiest hours (if they are set up), followed by lunch
93.2% of food truck operators report that direct conversations with their customers are the best way
to get feedback, while 61% use social media
Owners report that french fries (21%), burgers (19%), and BBQ (15%) are their most popular
items, followed by fried chicken (11%), tacos (10%) and mac and cheese
A US Foods Report found that vegan and plant-based menu items were amongst the top meal
options for consumer demand in the modern food truck industry
Fusion cuisine continue to interest customers to try new food trucks according to surveys
16
Conclusion & Key Takeaways
17
The Growth Outlook For the Food and Drink Business Is Strong
52% of food businesses indicated that their businesses grew in 2024 over the previous year and 79%
of business owners believe that growth will happen again in 2025
Diners are eating out more than ever! 60% of diners reported that they dine out every week with an
additional 22% indicating they dine out 2-3 times per month.
In 2024, Americans spent on average 55.7% of their food budget on “food away from home” - an all
time high!
Labor Costs Are Stabilizing While Food Costs Remain High
60% of business owners reported that rising food costs affected their net income in 2024 and 64%
anticipate that food costs will continue to rise in 2025, while the USDA is predicting only a 2% increase
in food prices in 2025
More than half of business owners expect that their labor costs will be around the same in 2025 as
they were in 2024 although shortages remain a concern
Accidents Happen but Insurance Mitigates Risk
While insurance claims in the food and beverage sector went down 4.4% when compared to 2024,
accidents causing damage replaced auto and trailer events as the leading cause for an insurance
claim, followed by theft and food spoilage
The average claim payout decreased slightly. However, the cost of insurance remained relatively flat
year-over-year.
61% of all claims filed resulted in a payout
Closing Note From FLIP
We hope this report provides valuable insights to help you benchmark your business and plan for the year
ahead. While this annual report serves as a comprehensive resource, we regularly publish industry-specific
tools and articles to support our clients in the food industry, which you can find in the blog section of our
website. Thank you for allowing us to be part of your journey — we’ll be with you every step of the way.
2024 Consumer Dining Trends: How Americans Are Spending on Restaurants and Takeout, Auguste Escoffier
School of Culinary Arts, https://www.escoffier.edu/blog/world-food-drink/consumer-dining-trend-statistics/
2024 Food Truck Revenue By State, Food Truck Profit, https://www.foodtruckprofit.com/food-truck-revenue-by-
state
6 Bar Industry Trends Tipped For 2025, Diageo Bar Academy, https://www.diageobaracademy.com/en-
us/home/cocktail-trends-and-festive-serves/6-bar-industry-trends-tipped-for-2025
Bureau of Labor Statistics, U.S. Department of Labor, Occupational Outlook Handbook, Bakers,
https://www.bls.gov/ooh/production/bakers.htm
Cottage Food Laws, https://cottagefoodlaws.com/
Delucci, Ray. 25 Food Truck Statistics for 2025, The Restaurant HQ,
https://www.therestauranthq.com/trends/food-truck-industry-statistics/
Desmond, Adriana. 25 Catering Statistics You Need to Know in 2024, Lunchbox.io, https://lunchbox.io/25-
catering-statistics-you-need-to-know-in-2024
The Diner Dispatch: 2024 American Dining Habits, US Foods, https://www.usfoods.com/our-services/business-
trends/american-dining-out-habits-2024.html
Dog Food Industry Trends, Innova Market Insights, https://www.innovamarketinsights.com/trends/dog-food-
industry-trends/
Farmers Markets in the US - Market Research Report (2014-2029), IBISWorld, https://www.ibisworld.com/united-
states/industry/farmers-markets/6482/
Methodology & Attributing the Data
Additional Sources
18
To create this report, FLIP collected data from 2024 program policyholders and their claims data. Data was
made up of 257 survey responses, and FLIP policy claims data from 2023–2024. Food business policy holders
who participated in the surveys and made up our internal data represent all 50 US states, work in a variety of
segments, and a range of different policy types. We encourage you to share or reference our findings with
attribution to Food Liability Insurance Program and a link to our website, www.fliprogram.com.
Farmers Market Salary, ZipRecruiter, https://www.ziprecruiter.com/Salaries/Farmers-Market-Salary
Gawkowski, Emil. How Much Do Food Trucks Make?, upmenu, https://www.upmenu.com/blog/how-much-do-
food-trucks-make/
Global Pet Snacks And Treats Market Size & Outlook, Grand View Research,
https://www.grandviewresearch.com/horizon/outlook/pet-snacks-and-treats-market-size/global
How much does a liquor license cost?, Contracts Counsel, https://www.contractscounsel.com/b/liquor-license-
cost
Jawaid, Daniyal. 7 Most Profitable Food Business Ideas, Insider Monkey, https://www.insidermonkey.com/blog/7-
most-profitable-food-business-ideas-1194922/4/
Kelso, Alicia. 77% of diners check restaurant websites before visiting, survey finds, Restaurant Dive,
https://www.restaurantdive.com/news/77-of-diners-visit-restaurant-websites-before-going-survey-finds/562008/
Le, Thi. Bakery Cafes in the US - Market Research Report (2014-2029), IBISWorld,
https://www.ibisworld.com/united-states/industry/bakery-cafes/4319/
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Food Liability Insurance 2025
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