Indiana

Cafe insurance in Indiana

Coffee shop numbers, wages, and local pages across Indiana. Quotes do not bind coverage.

Indiana counts 1,278 coffee shops and snack bars with employees (Census, 2023) and 97,290 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.

Indiana cafe figures

FigureIndiana
Coffee shops and snack bars (employer establishments)1,278
Employees at coffee shops and snack bars15,831
Average annual payroll per employee$18,495
Coffee shops and snack bars with 1–4 employees389
Retail bakeries157
Specialty food stores77
Coffee and tea manufacturers, including roasters7
Fast food and counter workers, including baristas (BLS, May 2025)97,290
Median wage, counter workers$28,790
Bakers on payrolls3,600
Median wage, bakers$36,150
Food service supervisors on payrolls23,500

Census CBP 2023 (NAICS 722515, 311811, 445299, 311920); BLS OEWS May 2025 (35-3023, 51-3011, 35-1012; payroll employees only).

What moves a Indiana 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 Indiana Department of Insurance oversees insurers and agents. Food establishment permits, inspections, and sidewalk seating permits are handled by health departments and cities.

Indiana city pages

Sorted by the share of workers who commute by public transit (ACS), highest first.

Cafe coverage and guides

Other Indiana communities by county

Cafes anywhere in Indiana can request a quote. Remaining communities, by county, largest first:

Adams County: Decatur, Berne, Geneva, Monroe

Allen County: New Haven, Huntertown, Leo-Cedarville, Woodburn, Monroeville, Grabill

Bartholomew County: Hope, Elizabethtown, Hartsville, Clifford, Jonesville

Benton County: Fowler, Oxford, Otterbein, Boswell, Earl Park, Ambia

Blackford County: Hartford City, Montpelier, Shamrock Lakes

Boone County: Zionsville, Lebanon, Whitestown, Thorntown, Jamestown, Advance, Ulen

Brown County: Nashville

Carroll County: Delphi, Flora, Camden, Burlington, Yeoman

Cass County: Logansport, Galveston, Walton, Royal Center, Onward

Clark County: Clarksville, Sellersburg, Charlestown, Utica, Borden

Clay County: Brazil, Clay City, Knightsville, Harmony, Staunton, Carbon, Center Point

Clinton County: Frankfort, Rossville, Mulberry, Kirklin, Colfax, Michigantown

Crawford County: Marengo, Milltown, English, Leavenworth, Alton

Daviess County: Washington, Odon, Montgomery, Elnora, Plainville, Cannelburg, Alfordsville

Dearborn County: Lawrenceburg, Greendale, Aurora, Dillsboro, Moores Hill, St. Leon, West Harrison

Decatur County: Greensburg, Westport, St. Paul, New Point, Millhousen

Dekalb County: Auburn, Garrett, Butler, Waterloo, Ashley, St. Joe, Corunna, Altona

Delaware County: Yorktown, Albany, Daleville, Eaton, Gaston, Selma

Dubois County: Jasper, Huntingburg, Ferdinand, Holland, Birdseye

Elkhart County: Goshen, Nappanee, Middlebury, Wakarusa, Bristol, Millersburg

Fayette County: Connersville

Floyd County: New Albany, Georgetown, Greenville

Fountain County: Attica, Covington, Veedersburg, Kingman, Hillsboro, Newtown, Mellott, Wallace

Franklin County: Brookville, Oldenburg, Laurel, Cedar Grove, Mount Carmel

Fulton County: Rochester, Akron, Kewanna, Fulton

Gibson County: Princeton, Fort Branch, Oakland City, Haubstadt, Owensville, Patoka, Francisco, Somerville, Hazleton, Mackey

Grant County: Marion, Gas City, Upland, Fairmount, Jonesboro, Sweetser, Swayzee, Van Buren, Matthews, Fowlerton

Greene County: Linton, Bloomfield, Jasonville, Worthington, Lyons, Switz City, Newberry

Hamilton County: Cicero, Sheridan, Arcadia, Atlanta

Hancock County: Greenfield, McCordsville, Cumberland, Fortville, New Palestine, Shirley, Wilkinson, Spring Lake

Harrison County: Corydon, Lanesville, Palmyra, Elizabeth, Crandall, New Middletown, Laconia, Mauckport, New Amsterdam

Hendricks County: Brownsburg, Avon, Danville, Pittsboro, Clayton, Coatesville, Lizton, North Salem, Amo, Stilesville

Henry County: New Castle, Middletown, Knightstown, Spiceland, Kennard, Mount Summit, Mooreland, Lewisville, Sulphur Springs, Straughn, Dunreith, Cadiz, Springport, Greensboro, Blountsville

Howard County: Greentown, Russiaville

Huntington County: Huntington, Roanoke, Warren, Markle, Andrews, Mount Etna

Jackson County: Seymour, Brownstown, Crothersville, Medora

Jasper County: Rensselaer, DeMotte, Remington, Wheatfield

Jay County: Portland, Dunkirk, Redkey, Pennville, Bryant, Salamonia

Jefferson County: Madison, Hanover, Dupont, Brooksburg

Jennings County: North Vernon, Vernon

Johnson County: Franklin, Bargersville, New Whiteland, Whiteland, Edinburgh, Trafalgar, Prince's Lakes

Knox County: Vincennes, Bicknell, Oaktown, Monroe City, Bruceville, Wheatland, Sandborn, Edwardsport, Decker

Kosciusko County: Warsaw, Winona Lake, Syracuse, Milford, North Webster, Pierceton, Mentone, Silver Lake, Etna Green, Leesburg, Claypool, Sidney, Burket

Lagrange County: Lagrange, Topeka, Shipshewana

Lake County: Merrillville, Crown Point, Schererville, Hobart, East Chicago, St. John, Munster, Highland, Cedar Lake, Dyer, Griffith, Lake Station, Lowell, Winfield, Whiting, New Chicago, Schneider

Laporte County: Michigan City, La Porte, Westville, Trail Creek, Kingsford Heights, Long Beach, Wanatah, La Crosse, Michiana Shores, Pottawattamie Park, Kingsbury

Lawrence County: Bedford, Mitchell, Oolitic

Madison County: Elwood, Pendleton, Alexandria, Ingalls, Chesterfield, Lapel, Edgewood, Frankton, Summitville, Markleville, Orestes, Country Club Heights, Woodlawn Heights, River Forest

Marion County: Beech Grove, Speedway, Southport, Meridian Hills, Warren Park, Clermont, Homecroft, Rocky Ripple, Williams Creek, Wynnedale, Spring Hill, Crows Nest, North Crows Nest

Marshall County: Plymouth, Bremen, Argos, Bourbon, Culver, La Paz

Martin County: Loogootee, Shoals, Crane

Miami County: Peru, Converse, Bunker Hill, Denver, Amboy, Macy

Monroe County: Ellettsville, Stinesville

Montgomery County: Crawfordsville, Ladoga, Waynetown, Linden, Darlington, New Market, Waveland, New Richmond, New Ross, Wingate, Alamo

Morgan County: Martinsville, Mooresville, Brooklyn, Monrovia, Morgantown, Paragon, Bethany

Newton County: Kentland, Morocco, Goodland, Brook, Mount Ayr

Noble County: Kendallville, Ligonier, Avilla, Albion, Rome City, Wolcottville, Cromwell

Ohio County: Rising Sun

Orange County: Paoli, Orleans, French Lick, West Baden Springs

Owen County: Spencer, Gosport

Parke County: Rockville, Montezuma, Rosedale, Mecca, Marshall, Bloomingdale

Perry County: Tell City, Cannelton, Troy

Pike County: Petersburg, Winslow, Spurgeon

Porter County: Valparaiso, Chesterton, Porter, Hebron, Burns Harbor, Kouts, Ogden Dunes, Beverly Shores, Town of Pines, Dune Acres

Posey County: Mount Vernon, Poseyville, New Harmony, Cynthiana, Griffin

Pulaski County: Winamac, Francesville, Medaryville, Monterey

Putnam County: Greencastle, Cloverdale, Roachdale, Bainbridge, Fillmore, Russellville

Randolph County: Winchester, Union City, Parker City, Farmland, Lynn, Ridgeville, Saratoga, Losantville, Modoc

Ripley County: Batesville, Versailles, Milan, Osgood, Sunman, Holton, Napoleon

Rush County: Rushville, Carthage, Glenwood

Scott County: Scottsburg, Austin

Shelby County: Shelbyville, Morristown, Fairland

Spencer County: Santa Claus, Rockport, Dale, Grandview, Chrisney, Richland, Gentryville

St. Joseph County: Osceola, Walkerton, New Carlisle, North Liberty, Lakeville, Roseland, Indian Village

Starke County: Knox, North Judson, Hamlet

Steuben County: Angola, Fremont, Hamilton, Hudson, Orland, Clear Lake

Sullivan County: Sullivan, Shelburn, Farmersburg, Dugger, Hymera, Carlisle, Merom

Switzerland County: Vevay, Patriot

Tippecanoe County: Battle Ground, Shadeland, Dayton, Clarks Hill

Tipton County: Tipton, Windfall City, Sharpsville, Kempton

Union County: Liberty, West College Corner

Vanderburgh County: Darmstadt

Vermillion County: Clinton, Fairview Park, Cayuga, Dana, Perrysville, Newport, Universal

Vigo County: West Terre Haute, Seelyville, Riley

Wabash County: Wabash, North Manchester, La Fontaine, Roann, Lagro

Warren County: Williamsport, West Lebanon, Pine Village, State Line City

Warrick County: Boonville, Chandler, Newburgh, Lynnville, Elberfeld, Tennyson

Washington County: Salem, New Pekin, Campbellsburg, Little York, Livonia, Saltillo

Wayne County: Richmond, Centerville, Cambridge City, Hagerstown, Fountain City, Dublin, Milton, Spring Grove, Greens Fork, East Germantown, Boston, Economy, Mount Auburn, Whitewater

Wells County: Bluffton, Ossian, Zanesville, Uniondale, Poneto, Vera Cruz

White County: Monticello, Monon, Brookston, Wolcott, Reynolds, Chalmers, Burnettsville

Whitley County: Columbia City, Churubusco, South Whitley, Larwill

Cafe questions: Indiana

Is cafe insurance required in Indiana?

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 Indiana?

The Census Bureau's 2023 business count found 1,278 snack and nonalcoholic beverage bars, the Census category for coffee shops, with employees in Indiana in 2023.

Which Indiana agency oversees insurers?

Insurers answer to the Indiana Department of Insurance, while food permits and inspections are handled by state and local health departments.

Does a Indiana 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 Indiana cafe

Last updated October 15, 2026 · How we research