Russellville, AR
Insurance for Russellville, AR cafes
County coffee shop data, commuter patterns, and what insurers ask Russellville cafes. A quote is not a binder.
Russellville (29,442 people) belongs to Pope County, where County Business Patterns counted 15 coffee shops and snack bars with employees in 2023, 2.5% of Arkansas's total.
Pope County coffee and bakery figures
| Census CBP 2023 | Pope County | Arkansas |
|---|---|---|
| Coffee shops and snack bars | 15 | 599 |
| Employees | 123 | 5,763 |
| With 1–4 employees | 6 | 269 |
Census County Business Patterns, 2023; owner-only cafes and carts are not counted.
About 123 people worked at Pope County's coffee shops and snack bars in 2023, earning roughly $20,106 each in payroll. Tips are not in that number, and neither are owners who work the bar themselves.
Russellville commuters and the morning rush
Solo drivers make up 76% of Russellville commuters, while 62% 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.
0.0% of Russellville commuters use public transit, below the state's 0.3%. Most customers will arrive by car, so the parking lot is part of your premises exposure.
ACS puts Russellville's remote-work share at 5% (state: 9%). Cafes that double as offices should keep guest Wi-Fi separate from point-of-sale systems.
Three-plus-vehicle households make up 4% of Russellville. Households with no car: 7%. Each number says something about whether Russellville customers arrive on foot or behind the wheel.
Russellville has 11,675.0 homes, and 45% of households rent; 15% are in buildings with five or more units. Apartment-dense blocks put many daily customers within walking distance.
Half of Russellville's housing was built before 1985. Newer commercial space usually comes with landlord insurance clauses worth reviewing with your agent.
City data: U.S. Census Bureau, American Community Survey 5-year estimates, 2020–2024 (tables B08301, B25003, B25024, B25035), via Census Reporter, plus B08303 and B25044. Population: U.S. Census Bureau Vintage 2024 city population estimates.
BLS estimates 35,660 fast food and counter workers, the category that includes baristas, on Arkansas payrolls, with a median wage of $26,250; bakers number 2,400 at a median $30,380 (May 2025).
40% of Pope County's employer coffee shops have fewer than five employees. Small teams mean every shift lead needs to know how to report an injury, document an incident, and contact the owner and insurer quickly.
Practical notes for Russellville cafes
- Use carriers for orders of three or more drinks.
- Separate guest Wi-Fi from your point-of-sale network.
- Check every lid before handing a drink over the counter or through the window.
- Put non-slip mats at the entrance and behind the bar.
A cafe day, hour by hour walks through the risks a Russellville coffee shop faces from opening to close.
Nearby cafe markets
Pulaski County, home to Little Rock, counts 94 employer coffee shops. Coffee shops in Fayetteville's county: 76. By transit commuting, Russellville ranks 16th of 20 Arkansas cities on this site.
Getting ready for a Russellville cafe quote
- Kitchen: Baking, cooking, hood, or roasting
- Events: Music, classes, rentals, catering
- Claims history: Any prior claims
- Seating: Seats, patio, and square footage
- Payroll: Employees and estimated payroll
- Equipment: Espresso machine and other values
Start a Russellville cafe quote
Russellville coffee shop owners ask
Which policies do Russellville cafes carry?
General liability with products coverage, property, business income, equipment breakdown, and workers' comp with employees. See the Arkansas page.
How many coffee shops are in Pope County?
County Business Patterns counted 15 snack and nonalcoholic beverage bars with employees in Pope County in 2023. Owner-only cafes and carts are not included.
Are coffee burns covered for Russellville cafes?
Generally the products part of your general liability policy, subject to its terms. Secure lids and carriers help prevent these claims.
Other Arkansas cities
Cafe insurance in Arkansas · Coverage
Last updated October 15, 2026 · How we research