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

FigureArkansas
Coffee shops and snack bars (employer establishments)599
Employees at coffee shops and snack bars5,763
Average annual payroll per employee$19,759
Coffee shops and snack bars with 1–4 employees269
Retail bakeries41
Specialty food stores27
Coffee and tea manufacturers, including roasters5
Fast food and counter workers, including baristas (BLS, May 2025)35,660
Median wage, counter workers$26,250
Bakers on payrolls2,400
Median wage, bakers$30,380
Food service supervisors on payrolls11,200

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.

Cafe coverage and guides

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