Terre Haute, IN
Insurance for Terre Haute, IN cafes
County coffee shop data, commuter patterns, and what insurers ask Terre Haute cafes. A quote is not a binder.
Terre Haute (58,531 people) belongs to Vigo County, where County Business Patterns counted 22 coffee shops and snack bars with employees in 2023, 1.7% of Indiana's total.
The coffee economy around Terre Haute
| Census CBP 2023 | Vigo County | Indiana |
|---|---|---|
| Coffee shops and snack bars | 22 | 1,278 |
| Employees | 249 | 15,831 |
| With 1–4 employees | 7 | 389 |
County Business Patterns 2023, NAICS 722515 (snack and nonalcoholic beverage bars), 311811, 445299, 311920. Employer establishments only.
Annual payroll per employee at Vigo County coffee shops averaged about $22,048 in 2023, against $18,495 statewide. With 11.3 employees per shop on average, most local cafes are small teams of part-timers.
Who walks through a Terre Haute cafe door
In Terre Haute, 74% of workers drive alone and 13% carpool. Drink carriers for carpool orders and secure lids for the cup holder are simple ways to cut burn claims.
1.2% of Terre Haute commuters use public transit, above the state's 0.6%. Cafes near stops see concentrated rushes and crowded counters, the conditions behind most slip and spill claims.
6% of Terre Haute 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.
11% of Terre Haute households have no vehicle, while 3% have three or more. Car-free households walk to neighborhood cafes and favor places close to home.
With 18% of its 26,372.0 housing units in larger apartment buildings, Terre Haute leans toward car-oriented retail, where drive-through and strip-center cafes do well.
The median Terre Haute home dates to 1957. Older districts often mean older storefronts, where water lines behind an espresso bar and aging electrical service deserve a close look before you install equipment.
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.
Indiana's counter workers and baristas earned a median $28,790 a year in May 2025 (BLS), and the state's 3,600 bakers earned a median $36,150. These figures count employees only.
32% of Vigo 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 Terre Haute cafes
- Log refrigerator temperatures every shift.
- Use carriers for orders of three or more drinks.
- Separate guest Wi-Fi from your point-of-sale network.
- Schedule espresso machine service and water filter changes.
A cafe day, hour by hour walks through the risks a Terre Haute coffee shop faces from opening to close.
Around Terre Haute
Coffee shops in Indianapolis's county: 177. Coffee shops in Fort Wayne's county: 86. Of our 25 Indiana city pages, Terre Haute places 10th for share of transit commuters.
Getting ready for a Terre Haute cafe quote
- Equipment: Espresso machine and other values
- Payroll: Employees and estimated payroll
- Kitchen: Baking, cooking, hood, or roasting
- Sales: Annual sales and drink-to-food split
- Claims history: Any prior claims
- Seating: Seats, patio, and square footage
Start a Terre Haute cafe quote
Terre Haute coffee shop owners ask
What insurance does a Terre Haute coffee shop need?
General liability with products coverage, property, business income, equipment breakdown, and workers' comp with employees. See the Indiana page.
How many coffee shops are in Vigo County?
County Business Patterns counted 22 snack and nonalcoholic beverage bars with employees in Vigo County in 2023. Owner-only cafes and carts are not included.
Are coffee burns covered for Terre Haute cafes?
Generally the products part of your general liability policy, subject to its terms. Secure lids and carriers help prevent these claims.
Cafe pages near Terre Haute
Cafe insurance in Indiana · Coverage
Last updated October 15, 2026 · How we research