Irving, TX
Insurance for Irving, TX cafes
Liability, equipment, and staff coverage for Irving coffee shops and cafes. A quote is not a binder.
Coffee is a crowded business around Irving: Dallas County held 737 snack and nonalcoholic beverage bars with payroll in 2023 (Census). The city itself has about 258,060 residents.
Dallas County coffee and bakery figures
| Census CBP 2023 | Dallas County | Texas |
|---|---|---|
| Coffee shops and snack bars | 737 | 7,538 |
| Employees | 7,142 | 77,746 |
| With 1–4 employees | 318 | 2,988 |
| Retail bakeries | 77 | 699 |
| Specialty food stores | 31 | 283 |
| Coffee and tea manufacturers (roasters) | 9 | 90 |
CBP 2023 establishment and employment counts; businesses without employees excluded.
About 7,142 people worked at Dallas County's coffee shops and snack bars in 2023, earning roughly $22,567 each in payroll. Tips are not in that number, and neither are owners who work the bar themselves.
Dallas County also counts 77 retail bakeries, 31 specialty food stores, 9 coffee and tea manufacturers, a category that includes roasters (Census, 2023). Local roasters and bakeries are a cafe's suppliers and, sometimes, its competition.
How Irving gets to work, and what it means for your rush
66% of Irving's 133,352 workers drive to work alone, and 10% spend 45 minutes or more getting there. Car commuters fuel drive-through and grab-and-go sales, and spilled drinks in moving cars are a known burn exposure.
Public transit carries 1.0% of Irving's workers (Texas: 0.9%). Transit riders walk past storefronts at the same hours every day, which favors walk-up windows and fast counter service.
ACS puts Irving's remote-work share at 20% (state: 14%). Cafes that double as offices should keep guest Wi-Fi separate from point-of-sale systems.
6% of Irving households have no vehicle, while 4% have three or more. High car ownership supports drive-through windows and larger parking lots.
With 48% of its 102,512.0 housing units in larger apartment buildings, Irving has the density that supports walk-in neighborhood cafes.
Half of Irving's housing was built before 1986. Newer commercial space usually comes with landlord insurance clauses worth reviewing with your agent.
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.
Texas's counter workers and baristas earned a median $27,740 a year in May 2025 (BLS), and the state's 16,710 bakers earned a median $33,790. These figures count employees only.
Texas employs 137,930 first-line food service supervisors at a median $36,480 (BLS). In a Irving 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 Irving coffee shop
- Schedule espresso machine service and water filter changes.
- Log refrigerator temperatures every shift.
- Use carriers for orders of three or more drinks.
- Check every lid before handing a drink over the counter or through the window.
A cafe day, hour by hour walks through the risks a Irving coffee shop faces from opening to close.
Nearby cafe markets
Coffee shops in Houston's county: 1,224. Coffee shops in San Antonio's county: 447. Neighboring Dallas has a 16% work-from-home share. By transit commuting, Irving ranks 7th of 30 Texas cities on this site.
What insurers ask Irving coffee shops
- Sales: Annual sales and drink-to-food split
- Claims history: Any prior claims
- Kitchen: Baking, cooking, hood, or roasting
- Seating: Seats, patio, and square footage
- Alcohol: Beer, wine, or coffee cocktails
- Equipment: Espresso machine and other values
Irving cafe insurance FAQ
Which policies do Irving cafes carry?
General liability with products coverage, property, business income, equipment breakdown, and workers' comp with employees. See the Texas page.
How many coffee shops are in Dallas County?
County Business Patterns counted 737 snack and nonalcoholic beverage bars with employees in Dallas County in 2023. Owner-only cafes and carts are not included.
Are coffee burns covered for Irving cafes?
Generally the products part of your general liability policy, subject to its terms. Secure lids and carriers help prevent these claims.
Cafe pages near Irving
Cafe insurance in Texas · Coverage
Last updated October 15, 2026 · How we research