Pennsylvania

Cafe insurance in Pennsylvania

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

Pennsylvania counts 2,906 coffee shops and snack bars with employees (Census, 2023) and 142,220 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.

Pennsylvania cafe figures

FigurePennsylvania
Coffee shops and snack bars (employer establishments)2,906
Employees at coffee shops and snack bars33,052
Average annual payroll per employee$18,473
Coffee shops and snack bars with 1–4 employees971
Retail bakeries371
Specialty food stores220
Coffee and tea manufacturers, including roasters36
Fast food and counter workers, including baristas (BLS, May 2025)142,220
Median wage, counter workers$28,570
Bakers on payrolls10,380
Median wage, bakers$36,360
Food service supervisors on payrolls35,560

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

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

Pennsylvania city pages

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

Cafe coverage and guides

Other Pennsylvania communities by county

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

Adams County: Gettysburg, Littlestown, Carroll Valley, McSherrystown, New Oxford, Bonneauville, East Berlin, Biglerville, Abbottstown, Arendtsville, Bendersville, York Springs, Fairfield

Allegheny County: West Mifflin, McKeesport, Franklin Park, Whitehall, Wilkinsburg, Jefferson Hills, Munhall, Brentwood, Pleasant Hills, Swissvale, Castle Shannon, Bellevue, Dormont, Carnegie, White Oak, Oakmont, West View, Forest Hills, Clairton, Crafton, McKees Rocks, Coraopolis, Fox Chapel, Duquesne, Turtle Creek, Green Tree, Bridgeville, Avalon, Glassport, Tarentum, North Braddock, Sewickley, Port Vue, Etna, Springdale, Mount Oliver, Ingram, Millvale, Brackenridge, Sharpsburg, Churchill, Edgewood, Pitcairn, Homestead, Aspinwall, Emsworth, Verona, Liberty, East McKeesport, Rankin, East Pittsburgh, Ben Avon, West Homestead, Wilmerding, Braddock, Braddock Hills, Edgeworth, Cheswick, Dravosburg, Bell Acres, Oakdale, Versailles, Blawnox, Elizabeth, Heidelberg, Bradford Woods, Whitaker, Leetsdale, Lincoln, Sewickley Heights, Chalfant, Sewickley Hills, Pennsbury Village, Glen Osborne, Wall, Thornburg, Rosslyn Farms, West Elizabeth, Ben Avon Heights, Glenfield, Haysville

Armstrong County: Kittanning, Ford City, Leechburg, Freeport, Apollo, North Apollo, West Kittanning, Rural Valley, Parker, Worthington, Dayton, South Bethlehem, Manorville, Ford Cliff, Applewold, Elderton, Atwood

Beaver County: Aliquippa, Economy, Beaver Falls, Ambridge, New Brighton, Monaca, Beaver, Baden, Rochester, Ohioville, Midland, Conway, Big Beaver, Industry, Freedom, West Mayfield, Bridgewater, Koppel, Patterson Heights, East Rochester, South Heights, New Galilee, Fallston, Darlington, Georgetown, Eastvale, Shippingport, Hookstown, Frankfort Springs, Homewood, Glasgow

Bedford County: Bedford, Everett, Hyndman, Saxton, Schellsburg, Manns Choice, Woodbury, New Paris, Hopewell, Rainsburg, St. Clairsville

Berks County: Wyomissing, Shillington, Birdsboro, West Reading, Hamburg, Laureldale, Sinking Spring, Boyertown, Kutztown, Fleetwood, Mount Penn, Kenhorst, Womelsdorf, Mohnton, Wernersville, Robesonia, Topton, Leesport, St. Lawrence, Shoemakersville, Bally, Bernville, Bechtelsville, Lyons, Centerport, Lenhartsville, New Morgan

Blair County: Hollidaysburg, Tyrone, Roaring Spring, Martinsburg, Bellwood, Duncansville, Williamsburg, Newry

Bradford County: Sayre, Athens, Towanda, Canton, Troy, South Waverly, Wyalusing, Monroe, Rome, LeRaysville, New Albany, Sylvania, Burlington, Alba

Bucks County: Bristol, Morrisville, Perkasie, Quakertown, Doylestown, Sellersville, Chalfont, New Britain, New Hope, Yardley, Penndel, Dublin, Newtown, Tullytown, Langhorne, Langhorne Manor, Richlandtown, Hulmeville, Ivyland, Trumbauersville, Riegelsville, Silverdale

Butler County: Butler, Zelienople, Slippery Rock, Seven Fields, Evans City, Mars, Saxonburg, Prospect, Harmony, Chicora, Harrisville, Connoquenessing, East Butler, Valencia, Bruin, Callery, West Liberty, Eau Claire, Portersville, Fairview, West Sunbury, Petrolia, Karns City, Cherry Valley

Cambria County: Johnstown, Westmont, Northern Cambria, Ebensburg, Nanty-Glo, Portage, Geistown, Southmont, Patton, Ferndale, Cresson, Gallitzin, Hastings, Loretto, East Conemaugh, Carrolltown, Dale, South Fork, Lilly, Scalp Level, Brownstown, Sankertown, Lorain, Summerhill, Vintondale, Tunnelhill, Daisytown, Ashville, Wilmore, Ehrenfeld, Cassandra, Chest Springs

Cameron County: Emporium, Driftwood

Carbon County: Palmerton, Lehighton, Jim Thorpe, Lansford, Nesquehoning, Summit Hill, Weatherly, Bowmanstown, Beaver Meadows, Parryville, Weissport, East Side

Centre County: Bellefonte, Philipsburg, Centre Hall, Milesburg, Millheim, Howard, Snow Shoe, Port Matilda, Unionville

Chester County: Coatesville, Downingtown, Kennett Square, Oxford, Parkesburg, Spring City, Malvern, West Grove, Honey Brook, South Coatesville, Elverson, Atglen, Avondale, Modena

Clarion County: Clarion, Knox, New Bethlehem, Rimersburg, East Brady, Sligo, Strattanville, Hawthorn, Shippenville, St. Petersburg, Foxburg, Callensburg

Clearfield County: DuBois, Clearfield, Curwensville, Osceola Mills, Chester Hill, Houtzdale, Irvona, Ramey, Coalport, Brisbin, Grampian, Westover, Mahaffey, Wallaceton, Troutville, Burnside, Glen Hope, New Washington

Clinton County: Lock Haven, Avis, Mill Hall, Flemington, Renovo, Beech Creek, Loganton, South Renovo

Columbia County: Bloomsburg, Berwick, Catawissa, Millville, Benton, Briar Creek, Orangeville, Stillwater, Centralia

Crawford County: Meadville, Titusville, Cambridge Springs, Cochranton, Linesville, Saegertown, Conneautville, Conneaut Lake, Hydetown, Springboro, Blooming Valley, Townville, Spartansburg, Venango, Woodcock

Cumberland County: Mechanicsburg, Camp Hill, New Cumberland, Shippensburg, Lemoyne, Wormleysburg, Mount Holly Springs, Shiremanstown, Newville, Newburg

Dauphin County: Middletown, Steelton, Hummelstown, Penbrook, Highspire, Millersburg, Lykens, Paxtang, Elizabethville, Williamstown, Royalton, Halifax, Dauphin, Gratz, Berrysburg, Pillow

Delaware County: Yeadon, Lansdowne, Darby, Collingdale, Brookhaven, Ridley Park, Glenolden, Clifton Heights, Folcroft, Swarthmore, Prospect Park, Sharon Hill, Norwood, Media, Aldan, Chester Heights, Upland, Morton, East Lansdowne, Colwyn, Marcus Hook, Eddystone, Parkside, Trainer, Millbourne, Rose Valley, Rutledge

Elk County: St. Marys, Ridgway, Johnsonburg

Erie County: Corry, Edinboro, North East, Wesleyville, Girard, Lake City, Union City, Albion, Waterford, Cranesville, McKean, Platea, Mill Village, Wattsburg, Elgin

Fayette County: Uniontown, Connellsville, Masontown, Brownsville, South Connellsville, Fairchance, Perryopolis, Point Marion, Belle Vernon, Dunbar, Smithfield, Everson, Newell, Fayette City, Vanderbilt, Dawson, Markleysburg, Ohiopyle

Forest County: Tionesta

Franklin County: Waynesboro, Greencastle, Mont Alto, Mercersburg, Orrstown

Fulton County: McConnellsburg, Valley-Hi

Greene County: Waynesburg, Carmichaels, Rices Landing, Greensboro, Clarksville

Huntingdon County: Huntingdon, Mount Union, Orbisonia, Three Springs, Petersburg, Mapleton, Rockhill, Alexandria, Broad Top City, Saltillo, Mill Creek, Marklesburg, Dudley, Shirleysburg, Cassville, Coalmont, Birmingham, Shade Gap

Indiana County: Indiana, Blairsville, Homer City, Clymer, Saltsburg, Ernest, Marion Center, Creekside, Cherry Tree, Glen Campbell, Plumville, Armagh, Shelocta, Smicksburg

Jefferson County: Punxsutawney, Brookville, Reynoldsville, Brockway, Sykesville, Falls Creek, Big Run, Summerville, Corsica, Timblin, Worthville

Juniata County: Mifflintown, Port Royal, Thompsontown, Mifflin

Lackawanna County: Dunmore, Carbondale, Old Forge, Archbald, Blakely, Taylor, Moosic, Dickson City, Olyphant, Clarks Summit, Jessup, Throop, Jermyn, Moscow, Mayfield, Clarks Green, Dalton, Vandling

Lancaster County: Ephrata, Elizabethtown, Columbia, Lititz, Millersville, Mount Joy, New Holland, Manheim, East Petersburg, Akron, Denver, Strasburg, Mountville, Marietta, Quarryville, Adamstown, Terre Hill, Christiana

Lawrence County: Ellwood City, New Wilmington, New Beaver, Ellport, Bessemer, South New Castle, Wampum, Enon Valley, Volant, S.N.P.J.

Lebanon County: Palmyra, Cornwall, Myerstown, Cleona, Jonestown, Richland, Mount Gretna

Lehigh County: Emmaus, Catasauqua, Fountain Hill, Slatington, Coplay, Macungie, Alburtis, Coopersburg

Luzerne County: Kingston, Nanticoke, Pittston, Plymouth, Exeter, West Hazleton, Duryea, Swoyersville, Edwardsville, West Pittston, Larksville, Forty Fort, Freeland, Wyoming, Harveys Lake, Luzerne, Dallas, West Wyoming, Ashley, Dupont, Avoca, Conyngham, Nescopeck, Laflin, Hughestown, White Haven, Sugar Notch, Pringle, Courtdale, Nuangola, Yatesville, Shickshinny, Laurel Run, Warrior Run, Penn Lake Park, Bear Creek Village, New Columbus, Jeddo

Lycoming County: South Williamsport, Montoursville, Jersey Shore, Muncy, Hughesville, Montgomery, Duboistown, Picture Rocks, Salladasburg

Mckean County: Bradford, Kane, Port Allegany, Smethport, Mount Jewett, Eldred, Lewis Run

Mercer County: Hermitage, Sharon, Grove City, Greenville, Farrell, Sharpsville, Mercer, Stoneboro, West Middlesex, Sandy Lake, Wheatland, Jamestown, Clark, Fredonia, New Lebanon, Jackson Center, Sheakleyville

Mifflin County: Lewistown, Burnham, Juniata Terrace, McVeytown, Kistler, Newton Hamilton

Monroe County: East Stroudsburg, Stroudsburg, Mount Pocono, Delaware Water Gap

Montgomery County: Lansdale, Conshohocken, Hatboro, Souderton, Ambler, Bridgeport, Collegeville, Telford, Royersford, Jenkintown, Narberth, Pennsburg, Trappe, Hatfield, North Wales, East Greenville, Rockledge, Red Hill, West Conshohocken, Bryn Athyn, Schwenksville, Green Lane

Montour County: Danville, Washingtonville

Northampton County: Northampton, Wilson, Hellertown, Nazareth, Bangor, Wind Gap, Pen Argyl, North Catasauqua, Freemansburg, Bath, Walnutport, Roseto, Tatamy, West Easton, East Bangor, Stockertown, Portland, Glendon, Chapman

Northumberland County: Sunbury, Shamokin, Milton, Mount Carmel, Northumberland, Kulpmont, Watsontown, Riverside, Turbotville, Marion Heights, Herndon, Snydertown, McEwensville

Perry County: Marysville, Newport, Duncannon, Bloomfield, Liverpool, Millerstown, Blain, Landisburg, New Buffalo

Pike County: Matamoras, Milford

Potter County: Coudersport, Shinglehouse, Galeton, Ulysses, Austin, Oswayo

Schuylkill County: Pottsville, Tamaqua, Schuylkill Haven, Minersville, Shenandoah, Frackville, Mahanoy City, Orwigsburg, St. Clair, Ashland, McAdoo, Coaldale, Pine Grove, Port Carbon, Tremont, Cressona, Tower City, Girardville, New Philadelphia, Palo Alto, Gordon, Ringtown, Deer Lake, Auburn, Gilberton, Mechanicsville, Middleport, Port Clinton, New Ringgold, Landingville, Mount Carbon

Snyder County: Selinsgrove, Shamokin Dam, Middleburg, Beavertown, McClure, Freeburg

Somerset County: Somerset, Windber, Meyersdale, Berlin, Boswell, Central City, Paint, Rockwood, Confluence, Salisbury, Jennerstown, Hooversville, Garrett, Indian Lake, Stoystown, Ursina, Wellersburg, Addison, Shanksville, Benson, New Baltimore, New Centerville, Casselman, Callimont, Seven Springs

Sullivan County: Dushore, Laporte, Eagles Mere, Forksville

Susquehanna County: Forest City, Susquehanna Depot, Montrose, Hallstead, New Milford, Great Bend, Oakland, Lanesboro, Hop Bottom, Thompson, Little Meadows, Union Dale, Friendsville

Tioga County: Wellsboro, Mansfield, Elkland, Blossburg, Westfield, Lawrenceville, Knoxville, Tioga, Roseville

Union County: Lewisburg, Mifflinburg, New Berlin, Hartleton

Venango County: Oil City, Franklin, Sugarcreek, Pleasantville, Polk, Emlenton, Rouseville, Clintonville, Cooperstown, Barkeyville, Utica

Warren County: Warren, Youngsville, Tidioute, Sugar Grove, Clarendon, Bear Lake

Washington County: Washington, Canonsburg, Donora, Charleroi, Monongahela, Centerville, Bentleyville, New Eagle, McDonald, East Washington, Burgettstown, North Charleroi, Houston, Speers, West Brownsville, Midway, Ellsworth, Deemston, Claysville, Roscoe, Cokeburg, Allenport, Stockdale, Long Branch, Marianna, Beallsville, Finleyville, Dunlevy, Elco, Twilight, West Middletown, Coal Center, Green Hills

Wayne County: Honesdale, Waymart, Hawley, Bethany, Prompton, Starrucca

Westmoreland County: Greensburg, New Kensington, Lower Burrell, Jeannette, Latrobe, Monessen, Vandergrift, Arnold, Scottdale, Mount Pleasant, Irwin, Manor, Trafford, Youngwood, Delmont, West Newton, Derry, New Stanton, Southwest Greensburg, South Greensburg, North Belle Vernon, Ligonier, West Leechburg, Avonmore, Export, North Irwin, Oklahoma, New Florence, Penn, East Vandergrift, Sutersville, Hyde Park, New Alexandria, Bolivar, Seward, Madison, Smithton, Hunker, Arona, Youngstown, Adamsburg, Laurel Mountain, Donegal

Wyoming County: Tunkhannock, Factoryville, Nicholson, Laceyville, Meshoppen

York County: Hanover, Red Lion, New Freedom, West York, Dallastown, Shrewsbury, Manchester, Hallam, Dillsburg, Spring Grove, Wrightsville, North York, Stewartstown, Glen Rock, Dover, Jacobus, Loganville, Mount Wolf, Windsor, Yoe, East Prospect, Goldsboro, New Salem, Delta, York Haven, Jefferson, Winterstown, Franklintown, Cross Roads, Felton, Fawn Grove, Seven Valleys, Lewisberry, Wellsville, Railroad, Yorkana

Cafe questions: Pennsylvania

Is cafe insurance required in Pennsylvania?

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 Pennsylvania?

The Census Bureau's 2023 business count found 2,906 snack and nonalcoholic beverage bars, the Census category for coffee shops, with employees in Pennsylvania in 2023.

Which Pennsylvania agency oversees insurers?

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

Does a Pennsylvania 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 Pennsylvania cafe

Last updated October 15, 2026 · How we research