Caldwell, ID
Cafe insurance in Caldwell, Idaho
County coffee shop data, commuter patterns, and what insurers ask Caldwell cafes. A quote is not a binder.
Caldwell (73,088 people) belongs to Canyon County, where County Business Patterns counted 51 coffee shops and snack bars with employees in 2023, 8.2% of Idaho's total.
Caldwell-area cafe market in numbers
| Census CBP 2023 | Canyon County | Idaho |
|---|---|---|
| Coffee shops and snack bars | 51 | 621 |
| Employees | 685 | 6,979 |
| With 1–4 employees | 14 | 177 |
| Retail bakeries | 6 | 48 |
| Specialty food stores | 6 | 56 |
County Business Patterns 2023, NAICS 722515 (snack and nonalcoholic beverage bars), 311811, 445299, 311920. Employer establishments only.
About 685 people worked at Canyon County's coffee shops and snack bars in 2023, earning roughly $19,517 each in payroll. Tips are not in that number, and neither are owners who work the bar themselves.
How Caldwell gets to work, and what it means for your rush
74% of Caldwell's 30,455 workers drive to work alone, and 14% spend 45 minutes or more getting there. Car commuters fuel drive-through and grab-and-go sales, and spilled drinks in moving cars are a known burn exposure.
Transit share in Caldwell: 0.0% of workers (state: 0.5%). Drive-through demand tends to run higher where transit use is low.
Work-from-home share in Caldwell stands at 12%, lower than Idaho's 13%. Sales may be more concentrated in the morning commute window.
4% of Caldwell households have no vehicle, while 6% have three or more. High car ownership supports drive-through windows and larger parking lots.
Renters head 27% of Caldwell's households. Across 22,378.0 homes, renters tend to move often and try new places, while owners become long-term regulars.
Half of Caldwell's housing was built before 2003. 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.
Idaho's counter workers and baristas earned a median $28,940 a year in May 2025 (BLS), and the state's 2,230 bakers earned a median $34,060. These figures count employees only.
Idaho employs 7,440 first-line food service supervisors at a median $38,190 (BLS). In a Caldwell cafe, the shift lead is often the person who decides how a spill or a burn is handled in the first minutes.
Practical notes for Caldwell cafes
- Separate guest Wi-Fi from your point-of-sale network.
- Keep self-serve hot water out of children's reach.
- Schedule espresso machine service and water filter changes.
- Put non-slip mats at the entrance and behind the bar.
A cafe day, hour by hour walks through the risks a Caldwell coffee shop faces from opening to close.
Around Caldwell
Coffee shops in Boise's county: 183. Meridian (Ada County) has 183 coffee shops and snack bars countywide. Nampa, in the same county, has 74% of workers driving alone. Of our 15 Idaho city pages, Caldwell places 14th for share of transit commuters.
Caldwell cafe quote checklist
- Alcohol: Beer, wine, or coffee cocktails
- Seating: Seats, patio, and square footage
- Window: Drive-through or walk-up window
- Payroll: Employees and estimated payroll
- Events: Music, classes, rentals, catering
- Claims history: Any prior claims
Caldwell cafe insurance FAQ
What insurance does a Caldwell coffee shop need?
Liability, property, business income, equipment breakdown, spoilage, and workers' comp for staff.
How many coffee shops are in Canyon County?
County Business Patterns counted 51 snack and nonalcoholic beverage bars with employees in Canyon County in 2023. Owner-only cafes and carts are not included.
Are coffee burns covered for Caldwell cafes?
Generally the products part of your general liability policy, subject to its terms. Secure lids and carriers help prevent these claims.
Other Idaho cities
Cafe insurance in Idaho · Coverage
Last updated October 15, 2026 · How we research