Every figure on this site comes from a public source cited beside it. Where data is withheld or missing, we omit it rather than estimate. We do not publish average premiums, because cafe pricing depends on underwriting each business.
Sources
- Coffee shop, bakery, and roaster counts: U.S. Census Bureau, County Business Patterns 2023: snack and nonalcoholic beverage bars, the category for coffee shops and cafes (NAICS 722515), retail bakeries (311811), all other specialty food stores (445299), and coffee and tea manufacturing, which includes roasters (311920); employer establishments only.
- Counter worker, baker, and food service supervisor employment and wages: U.S. Bureau of Labor Statistics, Occupational Employment and Wage Statistics, May 2025 (fast food and counter workers, the category that includes baristas, 35-3023; bakers 51-3011; first-line supervisors of food preparation and serving workers 35-1012; payroll employees only).
- Housing and work patterns: U.S. Census Bureau, American Community Survey 5-year estimates, 2020–2024 (tables B08301, B25003, B25024, B25035), via Census Reporter.
- Population: U.S. Census Bureau Vintage 2024 city population estimates. In-depth city guides cover the largest cities in each state with complete Census data.
- City data: American Community Survey tables on commuting mode and time, remote work, housing, and vehicles.
Coverage explanations
Guides describe how cafe insurance commonly works. Policy forms vary by insurer, and the issued policy controls. Nothing here is legal advice. A quote is not a binder.
Updates
Pages show a last-updated date. Last reviewed October 15, 2026.