Ely, NV
Insurance for Ely, NV cafes
County coffee shop data, commuter patterns, and what insurers ask Ely cafes. A quote is not a binder.
Ely (3,892 people) belongs to White Pine County, where County Business Patterns counted 3 coffee shops and snack bars with employees in 2023, 0.4% of Nevada's total.
The coffee economy around Ely
| Census CBP 2023 | White Pine County | Nevada |
|---|---|---|
| Coffee shops and snack bars | 3 | 828 |
| Employees | 4 | 11,129 |
| With 1–4 employees | 3 | 219 |
County Business Patterns 2023, NAICS 722515 (snack and nonalcoholic beverage bars), 311811, 445299, 311920. Employer establishments only.
White Pine County's coffee shops and snack bars paid about $84,000 in 2023 wages, or about $21,000 per employee (Nevada: $21,113). The low figure reflects how many cafe jobs are part-time, and workers' comp is priced on that payroll.
Who walks through a Ely cafe door
In Ely, 72% of workers drive alone and 15% carpool. Drink carriers for carpool orders and secure lids for the cup holder are simple ways to cut burn claims.
Transit share in Ely: 1.6% of workers (state: 2.2%). Drive-through demand tends to run higher where transit use is low.
9% of Ely workers work from home (Nevada: 12%). Remote workers become midday regulars with laptops, so Wi-Fi security and card-data protection matter more than many owners expect.
3% of Ely households have no vehicle, while 12% have three or more. High car ownership supports drive-through windows and larger parking lots.
Renters head 35% of Ely's households. Across 2,032.0 homes, renters tend to move often and try new places, while owners become long-term regulars.
Half of Ely's housing was built before 1958. Commercial buildings of similar age may need plumbing and electrical upgrades for espresso machines, and improvements you pay for become your property to insure.
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.
In May 2025, BLS counted 45,850 counter workers and 2,040 bakers on Nevada payrolls, with counter workers at a median $31,950. Many cafe owners also work the bar and are not counted.
With 0.4% of Nevada's coffee shops, 100% of them run by fewer than five employees, White Pine County is a smaller part of the state's cafe market. Landlords will still want a certificate of insurance before a new cafe opens.
Practical notes for Ely cafes
- Log refrigerator temperatures every shift.
- Purge and wipe steam wands between dairy and plant milks.
- Keep self-serve hot water out of children's reach.
- Put non-slip mats at the entrance and behind the bar.
Owners in Ely planning to roast or bake should review in-house roasting and allergens and labeling.
Ely beside nearby cities
Coffee shops in Las Vegas's county: 615. Clark County, home to Henderson, counts 615 employer coffee shops. By transit commuting, Ely ranks 8th of 15 Nevada cities on this site.
Getting ready for a Ely cafe quote
- Payroll: Employees and estimated payroll
- Equipment: Espresso machine and other values
- Events: Music, classes, rentals, catering
- Claims history: Any prior claims
- Alcohol: Beer, wine, or coffee cocktails
- Sales: Annual sales and drink-to-food split
Ely coffee shop owners ask
What insurance does a Ely coffee shop need?
General liability with products coverage, property, business income, equipment breakdown, and workers' comp with employees. See the Nevada page.
How many cafes operate near Ely?
County Business Patterns counted 3 snack and nonalcoholic beverage bars with employees in White Pine County in 2023. Owner-only cafes and carts are not included.
Who pays if a Ely customer is burned by a drink?
Generally the products part of your general liability policy, subject to its terms. Secure lids and carriers help prevent these claims.
Other Nevada cities
Cafe insurance in Nevada · Coverage
Last updated October 15, 2026 · How we research