Tigard, OR
Insurance for Tigard, OR cafes
County coffee shop data, commuter patterns, and what insurers ask Tigard cafes. A quote is not a binder.
In 2023, Washington County had 207 snack and nonalcoholic beverage bars with paid staff, the Census category that holds coffee shops, espresso bars, and juice and smoothie counters. Tigard, with roughly 57,301 residents, is one of the markets those cafes serve.
Cafes, bakeries, and roasters in Washington County
| Census CBP 2023 | Washington County | Oregon |
|---|---|---|
| Coffee shops and snack bars | 207 | 1,677 |
| Employees | 2,922 | 20,280 |
| With 1–4 employees | 44 | 488 |
| Retail bakeries | 19 | 111 |
| Specialty food stores | 22 | 162 |
| Coffee and tea manufacturers (roasters) | 4 | 61 |
County Business Patterns 2023, NAICS 722515 (snack and nonalcoholic beverage bars), 311811, 445299, 311920. Employer establishments only.
Annual payroll per employee at Washington County coffee shops averaged about $22,819 in 2023, against $22,388 statewide. With 14.1 employees per shop on average, most local cafes are small teams of part-timers.
Who walks through a Tigard cafe door
In Tigard, 60% of workers drive alone and 8% carpool. Drink carriers for carpool orders and secure lids for the cup holder are simple ways to cut burn claims.
Transit share in Tigard: 2.2% of workers (state: 2.2%). Drive-through demand tends to run higher where transit use is low.
Work-from-home share in Tigard stands at 26%, higher than Oregon's 19%. That points to steady weekday afternoons and long laptop stays.
Three-plus-vehicle households make up 5% of Tigard. Households with no car: 5%. Each number says something about whether Tigard customers arrive on foot or behind the wheel.
Renters head 38% of Tigard's households. Across 23,877.0 homes, renters tend to move often and try new places, while owners become long-term regulars.
The median Tigard home dates to 1988. Newer retail centers generally have modern plumbing and electrical, but leases there often carry detailed insurance requirements.
City data: U.S. Census Bureau, American Community Survey 5-year estimates, 2020–2024 (tables B08301, B25003, B25024, B25035), via Census Reporter, plus B08303 and B25044. Population: U.S. Census Bureau Vintage 2024 city population estimates.
In May 2025, BLS counted 59,920 counter workers and 4,160 bakers on Oregon payrolls, with counter workers at a median $35,050. Many cafe owners also work the bar and are not counted.
Oregon employs 16,880 first-line food service supervisors at a median $46,950 (BLS). In a Tigard cafe, the shift lead is often the person who decides how a spill or a burn is handled in the first minutes.
Cutting claims in a Tigard coffee shop
- Use carriers for orders of three or more drinks.
- Put non-slip mats at the entrance and behind the bar.
- Log refrigerator temperatures every shift.
- Schedule espresso machine service and water filter changes.
Owners in Tigard planning to roast or bake should review in-house roasting and allergens and labeling.
Nearby cafe markets
Portland (Multnomah County) has 425 coffee shops and snack bars countywide. Salem (Marion County) has 96 coffee shops and snack bars countywide. Hillsboro, in the same county, has 61% of workers driving alone. By transit commuting, Tigard ranks 6th of 20 Oregon cities on this site.
Getting ready for a Tigard cafe quote
- Equipment: Espresso machine and other values
- Sales: Annual sales and drink-to-food split
- Payroll: Employees and estimated payroll
- Kitchen: Baking, cooking, hood, or roasting
- Events: Music, classes, rentals, catering
- Seating: Seats, patio, and square footage
Tigard coffee shop owners ask
What insurance does a Tigard coffee shop need?
General liability with products coverage, property, business income, equipment breakdown, and workers' comp with employees. See the Oregon page.
How many cafes operate near Tigard?
County Business Patterns counted 207 snack and nonalcoholic beverage bars with employees in Washington County in 2023. Owner-only cafes and carts are not included.
Are coffee burns covered for Tigard cafes?
Generally the products part of your general liability policy, subject to its terms. Secure lids and carriers help prevent these claims.
Other Oregon cities
Cafe insurance in Oregon · Coverage
Last updated October 15, 2026 · How we research