Indiana
Cafe insurance in Indiana
Coffee shop numbers, wages, and local pages across Indiana. Quotes do not bind coverage.
Indiana counts 1,278 coffee shops and snack bars with employees (Census, 2023) and 97,290 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.
Indiana cafe figures
| Figure | Indiana |
|---|---|
| Coffee shops and snack bars (employer establishments) | 1,278 |
| Employees at coffee shops and snack bars | 15,831 |
| Average annual payroll per employee | $18,495 |
| Coffee shops and snack bars with 1–4 employees | 389 |
| Retail bakeries | 157 |
| Specialty food stores | 77 |
| Coffee and tea manufacturers, including roasters | 7 |
| Fast food and counter workers, including baristas (BLS, May 2025) | 97,290 |
| Median wage, counter workers | $28,790 |
| Bakers on payrolls | 3,600 |
| Median wage, bakers | $36,150 |
| Food service supervisors on payrolls | 23,500 |
Census CBP 2023 (NAICS 722515, 311811, 445299, 311920); BLS OEWS May 2025 (35-3023, 51-3011, 35-1012; payroll employees only).
What moves a Indiana 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 Indiana Department of Insurance oversees insurers and agents. Food establishment permits, inspections, and sidewalk seating permits are handled by health departments and cities.
Indiana city pages
Sorted by the share of workers who commute by public transit (ACS), highest first.
- West Lafayette
- Bloomington
- Lafayette
- Gary
- Hammond
- South Bend
- Muncie
- Indianapolis
- Columbus
- Terre Haute
- Mishawaka
- Portage
- Evansville
- Fort Wayne
- Elkhart
- Anderson
- Greenwood
- Kokomo
- Plainfield
- Jeffersonville
- Noblesville
- Carmel
- Fishers
- Lawrence
- Westfield
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 Indiana communities by county
Cafes anywhere in Indiana can request a quote. Remaining communities, by county, largest first:
Adams County: Decatur, Berne, Geneva, Monroe
Allen County: New Haven, Huntertown, Leo-Cedarville, Woodburn, Monroeville, Grabill
Bartholomew County: Hope, Elizabethtown, Hartsville, Clifford, Jonesville
Benton County: Fowler, Oxford, Otterbein, Boswell, Earl Park, Ambia
Blackford County: Hartford City, Montpelier, Shamrock Lakes
Boone County: Zionsville, Lebanon, Whitestown, Thorntown, Jamestown, Advance, Ulen
Brown County: Nashville
Carroll County: Delphi, Flora, Camden, Burlington, Yeoman
Cass County: Logansport, Galveston, Walton, Royal Center, Onward
Clark County: Clarksville, Sellersburg, Charlestown, Utica, Borden
Clay County: Brazil, Clay City, Knightsville, Harmony, Staunton, Carbon, Center Point
Clinton County: Frankfort, Rossville, Mulberry, Kirklin, Colfax, Michigantown
Crawford County: Marengo, Milltown, English, Leavenworth, Alton
Daviess County: Washington, Odon, Montgomery, Elnora, Plainville, Cannelburg, Alfordsville
Dearborn County: Lawrenceburg, Greendale, Aurora, Dillsboro, Moores Hill, St. Leon, West Harrison
Decatur County: Greensburg, Westport, St. Paul, New Point, Millhousen
Dekalb County: Auburn, Garrett, Butler, Waterloo, Ashley, St. Joe, Corunna, Altona
Delaware County: Yorktown, Albany, Daleville, Eaton, Gaston, Selma
Dubois County: Jasper, Huntingburg, Ferdinand, Holland, Birdseye
Elkhart County: Goshen, Nappanee, Middlebury, Wakarusa, Bristol, Millersburg
Fayette County: Connersville
Floyd County: New Albany, Georgetown, Greenville
Fountain County: Attica, Covington, Veedersburg, Kingman, Hillsboro, Newtown, Mellott, Wallace
Franklin County: Brookville, Oldenburg, Laurel, Cedar Grove, Mount Carmel
Fulton County: Rochester, Akron, Kewanna, Fulton
Gibson County: Princeton, Fort Branch, Oakland City, Haubstadt, Owensville, Patoka, Francisco, Somerville, Hazleton, Mackey
Grant County: Marion, Gas City, Upland, Fairmount, Jonesboro, Sweetser, Swayzee, Van Buren, Matthews, Fowlerton
Greene County: Linton, Bloomfield, Jasonville, Worthington, Lyons, Switz City, Newberry
Hamilton County: Cicero, Sheridan, Arcadia, Atlanta
Hancock County: Greenfield, McCordsville, Cumberland, Fortville, New Palestine, Shirley, Wilkinson, Spring Lake
Harrison County: Corydon, Lanesville, Palmyra, Elizabeth, Crandall, New Middletown, Laconia, Mauckport, New Amsterdam
Hendricks County: Brownsburg, Avon, Danville, Pittsboro, Clayton, Coatesville, Lizton, North Salem, Amo, Stilesville
Henry County: New Castle, Middletown, Knightstown, Spiceland, Kennard, Mount Summit, Mooreland, Lewisville, Sulphur Springs, Straughn, Dunreith, Cadiz, Springport, Greensboro, Blountsville
Howard County: Greentown, Russiaville
Huntington County: Huntington, Roanoke, Warren, Markle, Andrews, Mount Etna
Jackson County: Seymour, Brownstown, Crothersville, Medora
Jasper County: Rensselaer, DeMotte, Remington, Wheatfield
Jay County: Portland, Dunkirk, Redkey, Pennville, Bryant, Salamonia
Jefferson County: Madison, Hanover, Dupont, Brooksburg
Jennings County: North Vernon, Vernon
Johnson County: Franklin, Bargersville, New Whiteland, Whiteland, Edinburgh, Trafalgar, Prince's Lakes
Knox County: Vincennes, Bicknell, Oaktown, Monroe City, Bruceville, Wheatland, Sandborn, Edwardsport, Decker
Kosciusko County: Warsaw, Winona Lake, Syracuse, Milford, North Webster, Pierceton, Mentone, Silver Lake, Etna Green, Leesburg, Claypool, Sidney, Burket
Lagrange County: Lagrange, Topeka, Shipshewana
Lake County: Merrillville, Crown Point, Schererville, Hobart, East Chicago, St. John, Munster, Highland, Cedar Lake, Dyer, Griffith, Lake Station, Lowell, Winfield, Whiting, New Chicago, Schneider
Laporte County: Michigan City, La Porte, Westville, Trail Creek, Kingsford Heights, Long Beach, Wanatah, La Crosse, Michiana Shores, Pottawattamie Park, Kingsbury
Lawrence County: Bedford, Mitchell, Oolitic
Madison County: Elwood, Pendleton, Alexandria, Ingalls, Chesterfield, Lapel, Edgewood, Frankton, Summitville, Markleville, Orestes, Country Club Heights, Woodlawn Heights, River Forest
Marion County: Beech Grove, Speedway, Southport, Meridian Hills, Warren Park, Clermont, Homecroft, Rocky Ripple, Williams Creek, Wynnedale, Spring Hill, Crows Nest, North Crows Nest
Marshall County: Plymouth, Bremen, Argos, Bourbon, Culver, La Paz
Martin County: Loogootee, Shoals, Crane
Miami County: Peru, Converse, Bunker Hill, Denver, Amboy, Macy
Monroe County: Ellettsville, Stinesville
Montgomery County: Crawfordsville, Ladoga, Waynetown, Linden, Darlington, New Market, Waveland, New Richmond, New Ross, Wingate, Alamo
Morgan County: Martinsville, Mooresville, Brooklyn, Monrovia, Morgantown, Paragon, Bethany
Newton County: Kentland, Morocco, Goodland, Brook, Mount Ayr
Noble County: Kendallville, Ligonier, Avilla, Albion, Rome City, Wolcottville, Cromwell
Ohio County: Rising Sun
Orange County: Paoli, Orleans, French Lick, West Baden Springs
Owen County: Spencer, Gosport
Parke County: Rockville, Montezuma, Rosedale, Mecca, Marshall, Bloomingdale
Perry County: Tell City, Cannelton, Troy
Pike County: Petersburg, Winslow, Spurgeon
Porter County: Valparaiso, Chesterton, Porter, Hebron, Burns Harbor, Kouts, Ogden Dunes, Beverly Shores, Town of Pines, Dune Acres
Posey County: Mount Vernon, Poseyville, New Harmony, Cynthiana, Griffin
Pulaski County: Winamac, Francesville, Medaryville, Monterey
Putnam County: Greencastle, Cloverdale, Roachdale, Bainbridge, Fillmore, Russellville
Randolph County: Winchester, Union City, Parker City, Farmland, Lynn, Ridgeville, Saratoga, Losantville, Modoc
Ripley County: Batesville, Versailles, Milan, Osgood, Sunman, Holton, Napoleon
Rush County: Rushville, Carthage, Glenwood
Scott County: Scottsburg, Austin
Shelby County: Shelbyville, Morristown, Fairland
Spencer County: Santa Claus, Rockport, Dale, Grandview, Chrisney, Richland, Gentryville
St. Joseph County: Osceola, Walkerton, New Carlisle, North Liberty, Lakeville, Roseland, Indian Village
Starke County: Knox, North Judson, Hamlet
Steuben County: Angola, Fremont, Hamilton, Hudson, Orland, Clear Lake
Sullivan County: Sullivan, Shelburn, Farmersburg, Dugger, Hymera, Carlisle, Merom
Switzerland County: Vevay, Patriot
Tippecanoe County: Battle Ground, Shadeland, Dayton, Clarks Hill
Tipton County: Tipton, Windfall City, Sharpsville, Kempton
Union County: Liberty, West College Corner
Vanderburgh County: Darmstadt
Vermillion County: Clinton, Fairview Park, Cayuga, Dana, Perrysville, Newport, Universal
Vigo County: West Terre Haute, Seelyville, Riley
Wabash County: Wabash, North Manchester, La Fontaine, Roann, Lagro
Warren County: Williamsport, West Lebanon, Pine Village, State Line City
Warrick County: Boonville, Chandler, Newburgh, Lynnville, Elberfeld, Tennyson
Washington County: Salem, New Pekin, Campbellsburg, Little York, Livonia, Saltillo
Wayne County: Richmond, Centerville, Cambridge City, Hagerstown, Fountain City, Dublin, Milton, Spring Grove, Greens Fork, East Germantown, Boston, Economy, Mount Auburn, Whitewater
Wells County: Bluffton, Ossian, Zanesville, Uniondale, Poneto, Vera Cruz
White County: Monticello, Monon, Brookston, Wolcott, Reynolds, Chalmers, Burnettsville
Whitley County: Columbia City, Churubusco, South Whitley, Larwill
Cafe questions: Indiana
Is cafe insurance required in Indiana?
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 Indiana?
The Census Bureau's 2023 business count found 1,278 snack and nonalcoholic beverage bars, the Census category for coffee shops, with employees in Indiana in 2023.
Which Indiana agency oversees insurers?
Insurers answer to the Indiana Department of Insurance, while food permits and inspections are handled by state and local health departments.
Does a Indiana 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 Indiana cafe
Last updated October 15, 2026 · How we research