Killeen, TX
Cafe insurance in Killeen, Texas
County coffee shop data, commuter patterns, and what insurers ask Killeen cafes. A quote is not a binder.
Coffee is a crowded business around Killeen: Bell County held 91 snack and nonalcoholic beverage bars with payroll in 2023 (Census). The city itself has about 160,616 residents.
Cafes, bakeries, and roasters in Bell County
| Census CBP 2023 | Bell County | Texas |
|---|---|---|
| Coffee shops and snack bars | 91 | 7,538 |
| Employees | 1,137 | 77,746 |
| With 1–4 employees | 26 | 2,988 |
| Retail bakeries | 7 | 699 |
| Specialty food stores | 3 | 283 |
CBP 2023 establishment and employment counts; businesses without employees excluded.
Annual payroll per employee at Bell County coffee shops averaged about $15,984 in 2023, against $19,604 statewide. With 12.5 employees per shop on average, most local cafes are small teams of part-timers.
Beyond cafes, Bell County has 7 retail bakeries, 3 specialty food stores. A cafe that starts baking or roasting in-house moves into those categories, and its insurance needs change with it.
Killeen routines and cafe traffic
78% of Killeen's 71,040 workers drive to work alone, and 17% 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.
Transit share in Killeen: 0.3% of workers (state: 0.9%). Drive-through demand tends to run higher where transit use is low.
Work-from-home share in Killeen stands at 8%, lower than Texas's 14%. Sales may be more concentrated in the morning commute window.
Three-plus-vehicle households make up 4% of Killeen. Households with no car: 5%. Each number says something about whether Killeen customers arrive on foot or behind the wheel.
Killeen has 65,793.0 homes, and 51% of households rent; 15% are in buildings with five or more units. Apartment-dense blocks put many daily customers within walking distance.
The median Killeen home dates to 1996. 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 460,530 counter workers and 16,710 bakers on Texas payrolls, with counter workers at a median $27,740. Many cafe owners also work the bar and are not counted.
With 1.2% of Texas's coffee shops, 29% of them run by fewer than five employees, Bell County is a smaller part of the state's cafe market. Landlords will still want a certificate of insurance before a new cafe opens.
Habits that protect Killeen cafes
- Log refrigerator temperatures every shift.
- Use carriers for orders of three or more drinks.
- Purge and wipe steam wands between dairy and plant milks.
- Separate guest Wi-Fi from your point-of-sale network.
A cafe day, hour by hour walks through the risks a Killeen coffee shop faces from opening to close.
Around Killeen
Harris County, home to Houston, counts 1,224 employer coffee shops. Coffee shops in San Antonio's county: 447. By transit commuting, Killeen ranks 23rd of 30 Texas cities on this site.
Killeen cafe quote checklist
- Window: Drive-through or walk-up window
- Sales: Annual sales and drink-to-food split
- Alcohol: Beer, wine, or coffee cocktails
- Payroll: Employees and estimated payroll
- Claims history: Any prior claims
- Events: Music, classes, rentals, catering
Killeen cafe insurance FAQ
What insurance does a Killeen coffee shop need?
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 Bell County?
County Business Patterns counted 91 snack and nonalcoholic beverage bars with employees in Bell County in 2023. Owner-only cafes and carts are not included.
Are coffee burns covered for Killeen 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 Killeen
Cafe insurance in Texas · Coverage
Last updated October 15, 2026 · How we research