Jeffersonville, IN coffee shop insurance

Coffee is a crowded business around Jeffersonville: Clark County held 23 snack and nonalcoholic beverage bars with payroll in 2023 (Census). The city itself has about 52,912 residents.

Cafes, bakeries, and roasters in Clark County

CBP 2023 establishment and employment counts; businesses without employees excluded.

Clark County's coffee shops and snack bars paid about $5,863,000 in 2023 wages, or about $17,244 per employee (Indiana: $18,495). The low figure reflects how many cafe jobs are part-time, and workers' comp is priced on that payroll.

Clark County also counts 5 retail bakeries, 3 specialty food stores (Census, 2023). Local roasters and bakeries are a cafe's suppliers and, sometimes, its competition.

Jeffersonville commuters and the morning rush

75% of Jeffersonville's 25,517 workers drive to work alone, and 5% spend 45 minutes or more getting there. Car commuters fuel drive-through and grab-and-go sales, and spilled drinks in moving cars are a known burn exposure.

Transit share in Jeffersonville: 0.2% of workers (state: 0.6%). Drive-through demand tends to run higher where transit use is low.

14% of Jeffersonville workers work from home (Indiana: 11%). Remote workers become midday regulars with laptops, so Wi-Fi security and card-data protection matter more than many owners expect.

Three-plus-vehicle households make up 4% of Jeffersonville. Households with no car: 6%. Each number says something about whether Jeffersonville customers arrive on foot or behind the wheel.

Renters head 28% of Jeffersonville's households. Across 23,901.0 homes, renters tend to move often and try new places, while owners become long-term regulars.

Half of Jeffersonville's housing was built before 1982. 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 97,290 fast food and counter workers, the category that includes baristas, on Indiana payrolls, with a median wage of $28,790; bakers number 3,600 at a median $36,150 (May 2025).

Indiana employs 23,500 first-line food service supervisors at a median $44,880 (BLS). In a Jeffersonville cafe, the shift lead is often the person who decides how a spill or a burn is handled in the first minutes.

Cutting claims in a Jeffersonville coffee shop

• Schedule espresso machine service and water filter changes.
• Put non-slip mats at the entrance and behind the bar.
• Separate guest Wi-Fi from your point-of-sale network.
• Use carriers for orders of three or more drinks.

If your Jeffersonville cafe depends on one espresso machine, read equipment breakdown before it fails.

Around Jeffersonville

Indianapolis (Marion County) has 177 coffee shops and snack bars countywide. Coffee shops in Fort Wayne's county: 86. By transit commuting, Jeffersonville ranks 20th of 25 Indiana cities on this site.

What insurers ask Jeffersonville coffee shops

• Kitchen: Baking, cooking, hood, or roasting
• Alcohol: Beer, wine, or coffee cocktails
• Events: Music, classes, rentals, catering
• Window: Drive-through or walk-up window
• Claims history: Any prior claims
• Sales: Annual sales and drink-to-food split

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Other Indiana cities

• Bloomington
• Hammond
• South Bend
• Indianapolis
• Evansville
• Fort Wayne
• Carmel
• Fishers

Cafe insurance in Indiana · Coverage

Last updated October 15, 2026 · How we research