Yuma, AZ
Cafe insurance in Yuma, Arizona
Liability, equipment, and staff coverage for Yuma coffee shops and cafes. A quote is not a binder.
Coffee is a crowded business around Yuma: Yuma County held 31 snack and nonalcoholic beverage bars with payroll in 2023 (Census). The city itself has about 100,858 residents.
Yuma-area cafe market in numbers
| Census CBP 2023 | Yuma County | Arizona |
|---|---|---|
| Coffee shops and snack bars | 31 | 1,741 |
| Employees | 493 | 24,659 |
| With 1–4 employees | 9 | 460 |
CBP 2023 establishment and employment counts; businesses without employees excluded.
Annual payroll per employee at Yuma County coffee shops averaged about $20,637 in 2023, against $20,687 statewide. With 15.9 employees per shop on average, most local cafes are small teams of part-timers.
Who walks through a Yuma cafe door
Solo drivers make up 75% of Yuma commuters, while 41% get to work in under 15 minutes. Short commutes mean customers who stop in on foot or park briefly, so curb, entrance, and parking lot conditions matter.
Public transit carries 0.2% of Yuma's workers (Arizona: 1.0%). With few transit riders, foot traffic depends more on parking and visibility from the road.
Work-from-home share in Yuma stands at 8%, lower than Arizona's 18%. Sales may be more concentrated in the morning commute window.
Three-plus-vehicle households make up 5% of Yuma. Households with no car: 6%. Each number says something about whether Yuma customers arrive on foot or behind the wheel.
Yuma has 44,663.0 homes, and 33% of households rent; 10% are in buildings with five or more units. Apartment-dense blocks put many daily customers within walking distance.
Half of Yuma's housing was built before 1990. Newer commercial space usually comes with landlord insurance clauses worth reviewing with your agent.
American Community Survey 2020–2024 (commuting mode and time, vehicles, tenure, structure, year built); Census 2024 population estimates.
BLS estimates 77,210 fast food and counter workers, the category that includes baristas, on Arizona payrolls, with a median wage of $34,230; bakers number 4,000 at a median $37,700 (May 2025).
With 1.8% of Arizona's coffee shops, 29% of them run by fewer than five employees, Yuma County is a smaller part of the state's cafe market. Landlords will still want a certificate of insurance before a new cafe opens.
Practical notes for Yuma cafes
- Use carriers for orders of three or more drinks.
- Log refrigerator temperatures every shift.
- Put non-slip mats at the entrance and behind the bar.
- Check every lid before handing a drink over the counter or through the window.
A cafe day, hour by hour walks through the risks a Yuma coffee shop faces from opening to close.
Nearby cafe markets
Coffee shops in Phoenix's county: 1,217. Pima County, home to Tucson, counts 231 employer coffee shops. By transit commuting, Yuma ranks 16th of 25 Arizona cities on this site.
What insurers ask Yuma coffee shops
- Equipment: Espresso machine and other values
- Payroll: Employees and estimated payroll
- Events: Music, classes, rentals, catering
- Kitchen: Baking, cooking, hood, or roasting
- Window: Drive-through or walk-up window
- Sales: Annual sales and drink-to-food split
Yuma cafe insurance FAQ
Which policies do Yuma cafes carry?
General liability with products coverage, property, business income, equipment breakdown, and workers' comp with employees. See the Arizona page.
How many cafes operate near Yuma?
County Business Patterns counted 31 snack and nonalcoholic beverage bars with employees in Yuma County in 2023. Owner-only cafes and carts are not included.
Are coffee burns covered for Yuma cafes?
Generally the products part of your general liability policy, subject to its terms. Secure lids and carriers help prevent these claims.
Other Arizona cities
Cafe insurance in Arizona · Coverage
Last updated October 15, 2026 · How we research