Arkansas
Cafe insurance in Arkansas
Coffee shop numbers, wages, and local pages across Arkansas. Quotes do not bind coverage.
Arkansas counts 599 coffee shops and snack bars with employees (Census, 2023) and 35,660 fast food and counter workers, the federal category that includes baristas (BLS, May 2025). Below: the numbers, the factors behind a cafe premium, and local pages.
Arkansas cafe figures
| Figure | Arkansas |
|---|---|
| Coffee shops and snack bars (employer establishments) | 599 |
| Employees at coffee shops and snack bars | 5,763 |
| Average annual payroll per employee | $19,759 |
| Coffee shops and snack bars with 1–4 employees | 269 |
| Retail bakeries | 41 |
| Specialty food stores | 27 |
| Coffee and tea manufacturers, including roasters | 5 |
| Fast food and counter workers, including baristas (BLS, May 2025) | 35,660 |
| Median wage, counter workers | $26,250 |
| Bakers on payrolls | 2,400 |
| Median wage, bakers | $30,380 |
| Food service supervisors on payrolls | 11,200 |
Census CBP 2023 (NAICS 722515, 311811, 445299, 311920); BLS OEWS May 2025 (35-3023, 51-3011, 35-1012; payroll employees only).
What moves a Arkansas cafe's quote
Insurers look first at sales and the drink-to-food split, then seating and patio space, any drive-through window, baking, cooking, or roasting on site, espresso machine and equipment values, payroll, beer or wine, events and catering, and claims history round out the picture.
Further reading: a cafe day, hour by hour and cost factors.
Regulators
The Arkansas Insurance Department oversees insurers and agents. Food establishment permits, inspections, and sidewalk seating permits are handled by health departments and cities.
Arkansas city pages
Sorted by the share of workers who commute by public transit (ACS), highest first.
- North Little Rock
- Fayetteville
- Pine Bluff
- Little Rock
- Hot Springs
- Texarkana
- Conway
- Fort Smith
- Bentonville
- Jacksonville
- Paragould
- Springdale
- Jonesboro
- Cabot
- Benton
- Russellville
- Bella Vista
- Centerton
- Rogers
- Sherwood
Cafe coverage and guides
- Hot beverage burns and liability
- Espresso machines and equipment breakdown
- Business owners policy for cafes
- In-house coffee roasting
- Workers' comp for cafes
- Spoilage and utility interruption
- A cafe day, hour by hour
- Wi-Fi, card payments, and cyber coverage
- Allergens and bakery labeling
- What affects cafe insurance cost
- Cafe application checklist
Other Arkansas communities by county
Cafes anywhere in Arkansas can request a quote. Remaining communities, by county, largest first:
Arkansas County: Stuttgart, DeWitt, Gillett, Humphrey, Almyra, St. Charles
Ashley County: Crossett, Hamburg, Wilmot, Portland, Montrose, Parkdale, Fountain Hill
Baxter County: Mountain Home, Gassville, Cotter, Lakeview, Salesville, Norfork, Briarcliff, Big Flat
Benton County: Siloam Springs, Lowell, Pea Ridge, Cave Springs, Gentry, Gravette, Little Flock, Highfill, Decatur, Garfield, Avoca, Sulphur Springs, Gateway, Springtown
Boone County: Harrison, Diamond City, Bergman, Bellefonte, Alpena, Lead Hill, Valley Springs, Omaha, Everton, Zinc, South Lead Hill
Bradley County: Warren, Hermitage, Banks
Calhoun County: Hampton, Thornton, Harrell, Tinsman
Carroll County: Berryville, Green Forest, Holiday Island, Eureka Springs, Oak Grove, Beaver, Blue Eye
Chicot County: Dermott, Lake Village, Eudora
Clark County: Arkadelphia, Gurdon, Amity, Caddo Valley, Okolona, Gum Springs, Whelen Springs
Clay County: Piggott, Corning, Rector, St. Francis, Pollard, Greenway, Knobel, McDougal, Peach Orchard, Success, Nimmons, Datto
Cleburne County: Heber Springs, Greers Ferry, Quitman, Concord, Higden
Cleveland County: Rison, Kingsland
Columbia County: Magnolia, Waldo, Taylor, McNeil, Emerson
Conway County: Morrilton, Oppelo, Plumerville, Menifee
Craighead County: Brookland, Bono, Lake City, Bay, Monette, Caraway, Cash, Black Oak, Egypt
Crawford County: Van Buren, Alma, Mulberry, Cedarville, Kibler, Dyer, Mountainburg, Chester, Rudy
Crittenden County: West Memphis, Marion, Earle, Turrell, Crawfordsville, Clarkedale, Horseshoe Lake, Edmondson, Gilmore, Sunset, Anthonyville, Jennette, Jericho
Cross County: Wynne, Parkin, Cherry Valley, Hickory Ridge
Dallas County: Fordyce, Sparkman, Carthage
Desha County: Dumas, McGehee, Arkansas City, Mitchellville, Watson, Reed
Drew County: Monticello, Wilmar, Tillar, Winchester
Faulkner County: Greenbrier, Vilonia, Mayflower, Wooster, Guy, Holland, Enola, Twin Groves, Mount Vernon
Franklin County: Ozark, Charleston, Altus, Branch, Denning, Wiederkehr Village
Fulton County: Salem, Mammoth Spring, Viola
Garland County: Mountain Pine, Fountain Lake, Lonsdale
Grant County: Sheridan, Tull, Leola, Prattsville, Poyen
Greene County: Marmaduke, Oak Grove Heights, Lafe, Delaplaine
Hempstead County: Hope, Blevins, Perrytown, Fulton, Washington, Oakhaven, McCaskill, Patmos, Ozan, McNab
Hot Spring County: Malvern, Rockport, Midway, Donaldson, Perla, Friendship
Howard County: Nashville, Mineral Springs, Dierks, Tollette
Independence County: Batesville, Southside, Newark, Sulphur Rock, Cushman, Pleasant Plains, Magness, Oil Trough, Moorefield
Izard County: Horseshoe Bend, Calico Rock, Melbourne, Oxford, Mount Pleasant, Franklin, Pineville, Guion
Jackson County: Newport, Tuckerman, Diaz, Swifton, Grubbs, Campbell Station, Jacksonport, Beedeville, Tupelo, Amagon, Weldon
Jefferson County: White Hall, Redfield, Altheimer, Wabbaseka, Sherrill
Johnson County: Clarksville, Lamar, Coal Hill, Knoxville, Hartman
Lafayette County: Stamps, Lewisville, Bradley, Buckner
Lawrence County: Walnut Ridge, Hoxie, Imboden, Black Rock, Portia, Ravenden, Strawberry, Lynn, Sedgwick, Alicia, Powhatan, Minturn, Smithville
Lee County: Marianna, Moro, Rondo, Haynes, Aubrey, LaGrange
Lincoln County: Star City, Gould, Grady
Little River County: Ashdown, Foreman, Wilton, Ogden, Winthrop
Logan County: Booneville, Paris, Magazine, Subiaco, Scranton, Ratcliff, Caulksville, Morrison Bluff, Blue Mountain
Lonoke County: Ward, Lonoke, Austin, England, Carlisle, Humnoke, Keo, Allport, Coy
Madison County: Huntsville, St. Paul, Hindsville
Marion County: Bull Shoals, Flippin, Yellville, Summit, Pyatt
Miller County: Fouke, Garland
Mississippi County: Blytheville, Osceola, Manila, Gosnell, Leachville, Luxora, Wilson, Keiser, Joiner, Dyess, Etowah, Dell, Burdette, Bassett, Marie, Birdsong, Victoria
Monroe County: Brinkley, Clarendon, Holly Grove, Roe, Fargo
Montgomery County: Mount Ida, Norman, Oden, Black Springs
Nevada County: Prescott, Emmet, Rosston, Willisville, Bodcaw, Bluff City, Cale
Newton County: Jasper, Western Grove
Ouachita County: Camden, East Camden, Stephens, Bearden, Chidester, Louann
Perry County: Perryville, Bigelow, Perry, Houston, Adona, Casa, Fourche
Phillips County: Helena-West Helena, Marvell, Elaine, Lake View, Lexa
Pike County: Glenwood, Murfreesboro, Delight, Antoine, Daisy
Poinsett County: Trumann, Harrisburg, Marked Tree, Lepanto, Tyronza, Weiner, Fisher, Waldenburg
Polk County: Mena, Wickes, Grannis, Hatfield, Cove, Vandervoort
Pope County: Pottsville, Atkins, Dover, London, Hector
Prairie County: Des Arc, Hazen, De Valls Bluff, Fredonia, Ulm
Pulaski County: Maumelle, Wrightsville, Cammack Village
Randolph County: Pocahontas, Reyno, Maynard, Biggers, O'Kean, Ravenden Springs
Saline County: Bryant, Shannon Hills, Haskell, Alexander, Bauxite, Traskwood
Scott County: Waldron
Searcy County: Marshall, Leslie, St. Joe, Pindall, Gilbert
Sebastian County: Greenwood, Barling, Lavaca, Mansfield, Hackett, Bonanza, Hartford, Huntington, Central City, Midland
Sevier County: De Queen, Horatio, Lockesburg, Gillham, Ben Lomond
Sharp County: Cherokee Village, Cave City, Ash Flat, Highland, Hardy, Evening Shade, Sidney, Williford
St. Francis County: Forrest City, Hughes, Madison, Palestine, Caldwell, Colt, Wheatley, Widener
Stone County: Mountain View, Fifty-Six
Union County: El Dorado, Smackover, Norphlet, Junction City, Huttig, Calion, Strong, Felsenthal
Van Buren County: Clinton, Fairfield Bay, Damascus, Shirley
Washington County: Farmington, Prairie Grove, Tontitown, Elkins, Johnson, Elm Springs, Goshen, Lincoln, West Fork, Greenland, Winslow
White County: Searcy, Beebe, Bald Knob, Judsonia, Kensett, Higginson, Bradford, McRae, Pangburn, Rose Bud, Letona, Garner, Russell, West Point, Griffithville, Georgetown
Woodruff County: Augusta, McCrory, Cotton Plant, Patterson, Hunter
Yell County: Dardanelle, Danville, Ola, Plainview, Belleville, Havana, Corinth
Cafe questions: Arkansas
Is cafe insurance required in Arkansas?
Liability coverage is rarely a state mandate for cafes. In practice, landlords, sidewalk seating permits, and equipment lessors ask for it, and hiring staff brings the state's workers' comp law into play.
How many coffee shops are there in Arkansas?
The Census Bureau's 2023 business count found 599 snack and nonalcoholic beverage bars, the Census category for coffee shops, with employees in Arkansas in 2023.
Which Arkansas agency oversees insurers?
Insurers answer to the Arkansas Insurance Department, while food permits and inspections are handled by state and local health departments.
Does a Arkansas cafe need equipment breakdown coverage?
It is optional but common, because property policies usually exclude mechanical breakdown of espresso machines and refrigeration.
Data on this page: Census Bureau business counts for 2023, BLS wage estimates for May 2025, and five-year ACS commuting tables.
Price coverage for my Arkansas cafe
Last updated October 15, 2026 · How we research