Pasco, WA
Pasco, WA coffee shop insurance
Liability, equipment, and staff coverage for Pasco coffee shops and cafes. A quote is not a binder.
County Business Patterns lists 35 employer coffee shops and snack bars in Franklin County for 2023, employing 318 people. That is the competitive field for a cafe opening in Pasco, a city of about 81,724.
Cafes, bakeries, and roasters in Franklin County
| Census CBP 2023 | Franklin County | Washington |
|---|---|---|
| Coffee shops and snack bars | 35 | 3,088 |
| Employees | 318 | 33,561 |
| With 1–4 employees | 14 | 918 |
Census County Business Patterns, 2023; owner-only cafes and carts are not counted.
Franklin County's coffee shops and snack bars paid about $9,158,000 in 2023 wages, or about $28,799 per employee (Washington: $25,584). The low figure reflects how many cafe jobs are part-time, and workers' comp is priced on that payroll.
Pasco routines and cafe traffic
Solo drivers make up 77% of Pasco commuters, while 28% 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.
Transit share in Pasco: 0.5% of workers (state: 3.4%). Drive-through demand tends to run higher where transit use is low.
ACS puts Pasco's remote-work share at 8% (state: 20%). Cafes that double as offices should keep guest Wi-Fi separate from point-of-sale systems.
Three-plus-vehicle households make up 8% of Pasco. Households with no car: 5%. Each number says something about whether Pasco customers arrive on foot or behind the wheel.
With 12% of its 25,678.0 housing units in larger apartment buildings, Pasco leans toward car-oriented retail, where drive-through and strip-center cafes do well.
Half of Pasco's housing was built before 2001. Newer commercial space usually comes with landlord insurance clauses worth reviewing with your agent.
American Community Survey 2020–2024 (commuting mode and time, vehicles, tenure, structure, year built); Census 2024 population estimates.
BLS estimates 94,710 fast food and counter workers, the category that includes baristas, on Washington payrolls, with a median wage of $37,710; bakers number 6,270 at a median $46,140 (May 2025).
40% of Franklin 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.
Habits that protect Pasco cafes
- Check every lid before handing a drink over the counter or through the window.
- Log refrigerator temperatures every shift.
- Schedule espresso machine service and water filter changes.
- Use carriers for orders of three or more drinks.
If your Pasco cafe depends on one espresso machine, read equipment breakdown before it fails.
Pasco beside nearby cities
King County, home to Seattle, counts 1,000 employer coffee shops. Coffee shops in Spokane's county: 232. By transit commuting, Pasco ranks 29th of 30 Washington cities on this site.
Pasco cafe quote checklist
- Events: Music, classes, rentals, catering
- Sales: Annual sales and drink-to-food split
- Claims history: Any prior claims
- Equipment: Espresso machine and other values
- Seating: Seats, patio, and square footage
- Alcohol: Beer, wine, or coffee cocktails
Pasco cafe insurance FAQ
What insurance does a Pasco coffee shop need?
Liability, property, business income, equipment breakdown, spoilage, and workers' comp for staff.
How many cafes operate near Pasco?
County Business Patterns counted 35 snack and nonalcoholic beverage bars with employees in Franklin County in 2023. Owner-only cafes and carts are not included.
Are coffee burns covered for Pasco cafes?
Generally the products part of your general liability policy, subject to its terms. Secure lids and carriers help prevent these claims.
Other Washington cities
Cafe insurance in Washington · Coverage
Last updated October 15, 2026 · How we research