Arizona
Cafe insurance in Arizona
Coffee shop numbers, wages, and local pages across Arizona. Quotes do not bind coverage.
Arizona counts 1,741 coffee shops and snack bars with employees (Census, 2023) and 77,210 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.
Arizona cafe figures
| Figure | Arizona |
|---|---|
| Coffee shops and snack bars (employer establishments) | 1,741 |
| Employees at coffee shops and snack bars | 24,659 |
| Average annual payroll per employee | $20,687 |
| Coffee shops and snack bars with 1–4 employees | 460 |
| Retail bakeries | 96 |
| Specialty food stores | 135 |
| Coffee and tea manufacturers, including roasters | 13 |
| Fast food and counter workers, including baristas (BLS, May 2025) | 77,210 |
| Median wage, counter workers | $34,230 |
| Bakers on payrolls | 4,000 |
| Median wage, bakers | $37,700 |
| Food service supervisors on payrolls | 21,450 |
Census CBP 2023 (NAICS 722515, 311811, 445299, 311920); BLS OEWS May 2025 (35-3023, 51-3011, 35-1012; payroll employees only).
What moves a Arizona 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 Arizona Department of Insurance and Financial Institutions oversees insurers and agents. Food establishment permits, inspections, and sidewalk seating permits are handled by health departments and cities.
Arizona city pages
Sorted by the share of workers who commute by public transit (ACS), highest first.
- Tempe
- Tucson
- Flagstaff
- Phoenix
- Glendale
- Mesa
- Lake Havasu City
- Buckeye
- Scottsdale
- Gilbert
- Chandler
- Peoria
- Queen Creek
- Avondale
- Maricopa
- Yuma
- Marana
- Goodyear
- Oro Valley
- Sierra Vista
- Casa Grande
- Surprise
- Bullhead City
- Prescott
- Prescott Valley
Cafe coverage and guides
- Hot beverage burns and liability
- Espresso machines and equipment breakdown
- Business owners policy for cafes
- In-house coffee roasting
- Workers' comp for cafes
- Spoilage and utility interruption
- A cafe day, hour by hour
- Wi-Fi, card payments, and cyber coverage
- Allergens and bakery labeling
- What affects cafe insurance cost
- Cafe application checklist
Other Arizona communities by county
Cafes anywhere in Arizona can request a quote. Remaining communities, by county, largest first:
Apache County: Eagar, St. Johns, Springerville
Cochise County: Douglas, Benson, Bisbee, Willcox, Huachuca City, Tombstone
Coconino County: Page, Williams, Fredonia, Tusayan
Gila County: Payson, Globe, Star Valley, Miami, Hayden, Winkelman
Graham County: Safford, Thatcher, Pima
Greenlee County: Clifton, Duncan
La Paz County: Parker, Quartzsite
Maricopa County: El Mirage, Fountain Hills, Paradise Valley, Wickenburg, Tolleson, Youngtown, Litchfield Park, Guadalupe, Cave Creek, Carefree, Gila Bend
Mohave County: Kingman, Colorado City
Navajo County: Show Low, Winslow, Snowflake, Holbrook, Taylor, Pinetop-Lakeside
Pima County: Sahuarita, South Tucson
Pinal County: Apache Junction, Florence, Eloy, Coolidge, Superior, Kearny, Mammoth
Santa Cruz County: Nogales, Patagonia
Yavapai County: Chino Valley, Cottonwood, Camp Verde, Sedona, Clarkdale, Dewey-Humboldt, Jerome
Yuma County: San Luis, Somerton, Wellton
Cafe questions: Arizona
Is cafe insurance required in Arizona?
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 Arizona?
The Census Bureau's 2023 business count found 1,741 snack and nonalcoholic beverage bars, the Census category for coffee shops, with employees in Arizona in 2023.
Which Arizona agency oversees insurers?
Insurers answer to the Arizona Department of Insurance and Financial Institutions, while food permits and inspections are handled by state and local health departments.
Does a Arizona 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 Arizona cafe
Last updated October 15, 2026 · How we research