Oregon Cafe Insurance: Coffee Shop Counts, Wages & Cities

Oregon counts 1,677 coffee shops and snack bars with employees (Census, 2023) and 59,920 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.

Oregon cafe figures

Figure	Oregon
Coffee shops and snack bars (employer establishments)	1,677
Employees at coffee shops and snack bars	20,280
Average annual payroll per employee	$22,388
Coffee shops and snack bars with 1–4 employees	488
Retail bakeries	111
Specialty food stores	162
Coffee and tea manufacturers, including roasters	61
Fast food and counter workers, including baristas (BLS, May 2025)	59,920
Median wage, counter workers	$35,050
Bakers on payrolls	4,160
Median wage, bakers	$39,500
Food service supervisors on payrolls	16,880

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

What moves a Oregon 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 Oregon Division of Financial Regulation oversees insurers and agents. Food establishment permits, inspections, and sidewalk seating permits are handled by health departments and cities.

Oregon city pages

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

Cafe coverage and guides

Other Oregon communities by county

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

Baker County: Baker City, Huntington, Haines, Halfway, Sumpter, Richland, Unity

Benton County: Philomath, Adair Village, Monroe

Clackamas County: Wilsonville, West Linn, Milwaukie, Canby, Sandy, Gladstone, Molalla, Estacada, Johnson City, Rivergrove, Barlow

Clatsop County: Astoria, Seaside, Warrenton, Gearhart, Cannon Beach

Columbia County: St. Helens, Scappoose, Vernonia, Columbia City, Rainier, Clatskanie, Prescott

Coos County: Coos Bay, North Bend, Coquille, Bandon, Myrtle Point, Lakeside, Powers

Crook County: Prineville

Curry County: Brookings, Gold Beach, Port Orford

Deschutes County: Sisters, La Pine

Douglas County: Roseburg, Sutherlin, Winston, Reedsport, Myrtle Creek, Canyonville, Riddle, Drain, Yoncalla, Oakland, Glendale, Elkton

Gilliam County: Condon, Arlington, Lonerock

Grant County: John Day, Prairie City, Canyon City, Mount Vernon, Long Creek, Seneca, Dayville, Monument, Granite

Harney County: Burns, Hines

Hood River County: Hood River, Cascade Locks

Jackson County: Ashland, Central Point, Eagle Point, Talent, Phoenix, Shady Cove, Jacksonville, Rogue River, Gold Hill, Butte Falls

Jefferson County: Madras, Culver, Metolius

Josephine County: Cave Junction

Klamath County: Klamath Falls, Merrill, Chiloquin, Malin, Bonanza

Lake County: Lakeview, Paisley

Lane County: Cottage Grove, Florence, Junction City, Creswell, Veneta, Oakridge, Dunes City, Coburg, Lowell, Westfir

Lincoln County: Newport, Lincoln City, Toledo, Waldport, Depoe Bay, Siletz, Yachats

Linn County: Lebanon, Sweet Home, Harrisburg, Millersburg, Mill City, Brownsville, Tangent, Lyons, Scio, Halsey, Sodaville, Waterloo

Malheur County: Ontario, Nyssa, Vale, Adrian, Jordan Valley

Marion County: Silverton, Stayton, Aumsville, Mount Angel, Hubbard, Jefferson, Sublimity, Gervais, Turner, Aurora, Donald, Gates, St. Paul, Scotts Mills, Detroit, Idanha

Morrow County: Boardman, Irrigon, Heppner, Ione, Lexington

Multnomah County: Troutdale, Fairview, Wood Village, Maywood Park

Polk County: Dallas, Monmouth, Independence, Falls City

Sherman County: Wasco, Moro, Rufus, Grass Valley

Tillamook County: Tillamook, Rockaway Beach, Bay City, Garibaldi, Manzanita, Wheeler, Nehalem

Umatilla County: Hermiston, Pendleton, Umatilla, Milton-Freewater, Stanfield, Pilot Rock, Athena, Weston, Echo, Adams, Ukiah, Helix

Union County: La Grande, Union, Elgin, Island City, Cove, North Powder, Imbler, Summerville

Wallowa County: Enterprise, Joseph, Wallowa, Lostine

Wasco County: The Dalles, Dufur, Mosier, Maupin, Antelope, Shaniko

Washington County: Tualatin, Forest Grove, Sherwood, Cornelius, King City, North Plains, Durham, Banks, Gaston

Wheeler County: Fossil, Mitchell, Spray

Yamhill County: Newberg, Sheridan, Lafayette, Dundee, Dayton, Willamina, Carlton, Amity, Yamhill

Cafe questions: Oregon

Is cafe insurance required in Oregon?

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 Oregon?

The Census Bureau's 2023 business count found 1,677 snack and nonalcoholic beverage bars, the Census category for coffee shops, with employees in Oregon in 2023.

Which Oregon agency oversees insurers?

Insurers answer to the Oregon Division of Financial Regulation, while food permits and inspections are handled by state and local health departments.

Does a Oregon 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 Oregon cafe

Last updated October 15, 2026 · How we research

Cafe insurance in Oregon