Nevada
Cafe insurance in Nevada
Coffee shop numbers, wages, and local pages across Nevada. Quotes do not bind coverage.
Nevada counts 828 coffee shops and snack bars with employees (Census, 2023) and 45,850 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.
Nevada cafe figures
| Figure | Nevada |
|---|---|
| Coffee shops and snack bars (employer establishments) | 828 |
| Employees at coffee shops and snack bars | 11,129 |
| Average annual payroll per employee | $21,113 |
| Coffee shops and snack bars with 1–4 employees | 219 |
| Retail bakeries | 101 |
| Specialty food stores | 70 |
| Coffee and tea manufacturers, including roasters | 10 |
| Fast food and counter workers, including baristas (BLS, May 2025) | 45,850 |
| Median wage, counter workers | $31,950 |
| Bakers on payrolls | 2,040 |
| Median wage, bakers | $39,540 |
| Food service supervisors on payrolls | 14,230 |
Census CBP 2023 (NAICS 722515, 311811, 445299, 311920); BLS OEWS May 2025 (35-3023, 51-3011, 35-1012; payroll employees only).
What moves a Nevada 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 Nevada Division of Insurance oversees insurers and agents. Food establishment permits, inspections, and sidewalk seating permits are handled by health departments and cities.
Nevada city pages
Sorted by the share of workers who commute by public transit (ACS), highest first.
- Elko
- Carlin
- Winnemucca
- Las Vegas
- Reno
- Sparks
- North Las Vegas
- Ely
- Fernley
- Carson City
- Mesquite
- Henderson
- Boulder City
- West Wendover
- Yerington
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 Nevada communities by county
Cafes anywhere in Nevada can request a quote. Remaining communities, by county, largest first:
Churchill County: Fallon
Elko County: Wells
Lincoln County: Caliente
Pershing County: Lovelock
Cafe questions: Nevada
Is cafe insurance required in Nevada?
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 Nevada?
The Census Bureau's 2023 business count found 828 snack and nonalcoholic beverage bars, the Census category for coffee shops, with employees in Nevada in 2023.
Which Nevada agency oversees insurers?
Insurers answer to the Nevada Division of Insurance, while food permits and inspections are handled by state and local health departments.
Does a Nevada 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 Nevada cafe
Last updated October 15, 2026 · How we research