Idaho
Cafe insurance in Idaho
Coffee shop numbers, wages, and local pages across Idaho. Quotes do not bind coverage.
Idaho counts 621 coffee shops and snack bars with employees (Census, 2023) and 25,810 fast food and counter workers, the federal category that includes baristas (BLS, May 2025). Below: the numbers, the factors behind a cafe premium, and local pages.
Idaho cafe figures
| Figure | Idaho |
|---|---|
| Coffee shops and snack bars (employer establishments) | 621 |
| Employees at coffee shops and snack bars | 6,979 |
| Average annual payroll per employee | $17,919 |
| Coffee shops and snack bars with 1–4 employees | 177 |
| Retail bakeries | 48 |
| Specialty food stores | 56 |
| Coffee and tea manufacturers, including roasters | 13 |
| Fast food and counter workers, including baristas (BLS, May 2025) | 25,810 |
| Median wage, counter workers | $28,940 |
| Bakers on payrolls | 2,230 |
| Median wage, bakers | $34,060 |
| Food service supervisors on payrolls | 7,440 |
Census CBP 2023 (NAICS 722515, 311811, 445299, 311920); BLS OEWS May 2025 (35-3023, 51-3011, 35-1012; payroll employees only).
What moves a Idaho cafe's quote
Insurers look first at sales and the drink-to-food split, then seating and patio space, any drive-through window, baking, cooking, or roasting on site, espresso machine and equipment values, payroll, beer or wine, events and catering, and claims history round out the picture.
Further reading: a cafe day, hour by hour and cost factors.
Regulators
The Idaho Department of Insurance oversees insurers and agents. Food establishment permits, inspections, and sidewalk seating permits are handled by health departments and cities.
Idaho city pages
Sorted by the share of workers who commute by public transit (ACS), highest first.
- Idaho Falls
- Ammon
- Post Falls
- Pocatello
- Eagle
- Boise
- Rexburg
- Lewiston
- Kuna
- Meridian
- Coeur d'Alene
- Moscow
- Nampa
- Caldwell
- Twin Falls
Cafe coverage and guides
- Hot beverage burns and liability
- Espresso machines and equipment breakdown
- Business owners policy for cafes
- In-house coffee roasting
- Workers' comp for cafes
- Spoilage and utility interruption
- A cafe day, hour by hour
- Wi-Fi, card payments, and cyber coverage
- Allergens and bakery labeling
- What affects cafe insurance cost
- Cafe application checklist
Other Idaho communities by county
Cafes anywhere in Idaho can request a quote. Remaining communities, by county, largest first:
Ada County: Star, Garden City
Adams County: Council, New Meadows
Bannock County: Chubbuck, Inkom, McCammon, Downey, Lava Hot Springs, Arimo
Bear Lake County: Montpelier, Paris, Georgetown, Bloomington, St. Charles
Benewah County: St. Maries, Plummer, Tensed
Bingham County: Blackfoot, Shelley, Aberdeen, Firth, Basalt
Blaine County: Hailey, Ketchum, Bellevue, Sun Valley, Carey
Boise County: Horseshoe Bend, Idaho City, Crouch, Placerville
Bonner County: Sandpoint, Ponderay, Priest River, Dover, Kootenai, Clark Fork, Oldtown, East Hope, Hope
Bonneville County: Iona, Ucon, Swan Valley, Irwin
Boundary County: Bonners Ferry, Moyie Springs
Butte County: Arco, Moore, Butte City
Camas County: Fairfield
Canyon County: Middleton, Parma, Wilder, Greenleaf, Melba, Notus
Caribou County: Soda Springs, Grace, Bancroft
Cassia County: Burley, Oakley, Declo, Albion, Malta
Clark County: Dubois, Spencer
Clearwater County: Orofino, Pierce, Weippe, Elk River
Custer County: Challis, Mackay, Stanley, Clayton
Elmore County: Mountain Home, Glenns Ferry
Franklin County: Preston, Franklin, Weston, Dayton, Clifton, Oxford
Fremont County: St. Anthony, Ashton, Teton, Newdale, Parker, Island Park, Drummond, Warm River
Gem County: Emmett
Gooding County: Gooding, Wendell, Hagerman, Bliss
Idaho County: Grangeville, Cottonwood, Kooskia, Riggins, Stites, Ferdinand, White Bird
Jefferson County: Rigby, Menan, Ririe, Roberts, Lewisville, Mud Lake
Jerome County: Jerome, Hazelton, Eden
Kootenai County: Hayden, Rathdrum, Dalton Gardens, Spirit Lake, Hauser, Athol, Hayden Lake, Worley, Harrison, Fernan Lake Village, Huetter, State Line
Latah County: Genesee, Troy, Potlatch, Juliaetta, Deary, Kendrick, Onaway, Bovill
Lemhi County: Salmon, Leadore
Lewis County: Kamiah, Craigmont, Nezperce, Winchester, Reubens
Lincoln County: Shoshone, Richfield, Dietrich
Madison County: Sugar City
Minidoka County: Rupert, Heyburn, Paul, Acequia, Minidoka
Nez Perce County: Lapwai, Culdesac, Peck
Oneida County: Malad City
Owyhee County: Homedale, Marsing, Grand View
Payette County: Payette, Fruitland, New Plymouth
Power County: American Falls, Rockland
Shoshone County: Kellogg, Pinehurst, Osburn, Wallace, Smelterville, Mullan, Wardner
Teton County: Victor, Driggs, Tetonia
Twin Falls County: Kimberly, Buhl, Filer, Hansen, Hollister, Castleford, Murtaugh
Valley County: McCall, Cascade, Donnelly
Washington County: Weiser, Cambridge, Midvale
Cafe questions: Idaho
Is cafe insurance required in Idaho?
Liability coverage is rarely a state mandate for cafes. In practice, landlords, sidewalk seating permits, and equipment lessors ask for it, and hiring staff brings the state's workers' comp law into play.
How many coffee shops are there in Idaho?
The Census Bureau's 2023 business count found 621 snack and nonalcoholic beverage bars, the Census category for coffee shops, with employees in Idaho in 2023.
Which Idaho agency oversees insurers?
Insurers answer to the Idaho Department of Insurance, while food permits and inspections are handled by state and local health departments.
Does a Idaho cafe need equipment breakdown coverage?
It is optional but common, because property policies usually exclude mechanical breakdown of espresso machines and refrigeration.
Data on this page: Census Bureau business counts for 2023, BLS wage estimates for May 2025, and five-year ACS commuting tables.
Price coverage for my Idaho cafe
Last updated October 15, 2026 · How we research