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Commercial insurance underwriting is typically more complex than personal lines. The sheer volume of available information can make it difficult to effectively classify and price the risk. In addition, commercial insurance underwriters are not always aware that certain types of businesses may require special consideration.

The NAICS code for truck transport is 484 and many specific sectors fall within the code. Industries in this sub-sector transport cargo over-the-road via automobile vehicles including cars. The subsectors are classified into general freight transportation and specialty freight transportation. These distinctions are related to differing technology used, type of load carried, time-management terminals and networking services. General cargo transportation facilities handle a large variety of general goods generally palletized and deposited into boxes and truck trailers.

Restaurants are establishments primarily engaged in providing food services and serving or not serving alcoholic beverages. Establishments primarily engaged in just alcoholic beverages are categorized as 722410 - Drinking Places (Alcoholic Beverages). The industry comprises establishments primarily serving food and nonalcoholic beverage bars like Boba shops are often found in other naics codes alongside other nonalcoholic beverage bars like cafes.