Arizona
Beauty salon insurance in Arizona
State figures and city pages for Arizona beauty salons. A quote is not a binder.
Federal data for Arizona beauty salons: 1,711 employer salons (Census, 2023) and 7,840 payroll cosmetologists (BLS, May 2025), with many more independent professionals. Below are the state figures, how a salon's service menu drives its premium, and city pages.
Arizona beauty salon figures
| Figure | Arizona |
|---|---|
| Beauty salons (employer establishments) | 1,711 |
| Beauty salon employees | 8,312 |
| Average payroll per beauty salon employee | $32,073 |
| Salons with 1–4 employees | 1,135 |
| Fitness and recreation centers | 813 |
| Offices of other health practitioners | 1,362 |
| Diet and weight reducing centers | 50 |
| Cosmetologists on payrolls (BLS, May 2025) | 7,840 |
| Median wage, cosmetologists | $36,810 |
| Skincare specialists on payrolls | 1,710 |
| Median wage, skincare specialists | $50,470 |
| Manicurists and pedicurists on payrolls | 2,440 |
Census CBP 2023 (NAICS 812112, 713940, 621399, 812191); BLS OEWS May 2025 (39-5012, 39-5094, 39-5092; payroll employees only).
How a Arizona salon's premium is built
The service menu comes first: color, lightening, extensions, waxing, peels, and lashes each carry their own claim patterns. Next come licensed staff and payroll, independent professionals working in the space, retail and private-label products, the building and equipment, lease requirements, and claims history.
See the services guide and cost factors.
Who regulates what in Arizona
Insurers and agents answer to the Arizona Department of Insurance and Financial Institutions. Cosmetology, esthetics, and nail licenses, and scope-of-practice rules, are handled by the state's licensing authority for beauty professions.
Arizona city pages
Listed by share of residents who work from home (ACS), highest first.
- Scottsdale
- Gilbert
- Queen Creek
- Chandler
- Peoria
- Oro Valley
- Maricopa
- Marana
- Goodyear
- Tempe
- Buckeye
- Surprise
- Phoenix
- Mesa
- Avondale
- Glendale
- Prescott
- Prescott Valley
- Tucson
- Flagstaff
- Sierra Vista
- Casa Grande
- Lake Havasu City
- Bullhead City
- Yuma
Beauty coverage and guides
- Cosmetology liability
- Color, lightening, and extensions
- Esthetics and skin care
- Lash and brow services
- Business owners policy for salons
- Makeup artist insurance
- Beauty services coverage guide
- Private-label products and liability
- Med-spa services and salon insurance
- What affects beauty salon insurance cost
- Beauty salon application checklist
Other Arizona communities by letter
Beauty salons statewide can request quotes. Open a letter to see the remaining communities and their counties:
A · 1 communities
Apache Junction (Pinal)
B · 2 communities
Benson (Cochise); Bisbee (Cochise)
C · 9 communities
Camp Verde (Yavapai); Carefree (Maricopa); Cave Creek (Maricopa); Chino Valley (Yavapai); Clarkdale (Yavapai); Clifton (Greenlee); Colorado City (Mohave); Coolidge (Pinal); Cottonwood (Yavapai)
D · 3 communities
Dewey-Humboldt (Yavapai); Douglas (Cochise); Duncan (Greenlee)
E · 3 communities
Eagar (Apache); El Mirage (Maricopa); Eloy (Pinal)
F · 3 communities
Florence (Pinal); Fountain Hills (Maricopa); Fredonia (Coconino)
G · 3 communities
Gila Bend (Maricopa); Globe (Gila); Guadalupe (Maricopa)
H · 3 communities
Hayden (Gila); Holbrook (Navajo); Huachuca City (Cochise)
J · 1 communities
Jerome (Yavapai)
K · 2 communities
Kearny (Pinal); Kingman (Mohave)
L · 1 communities
Litchfield Park (Maricopa)
M · 2 communities
Mammoth (Pinal); Miami (Gila)
N · 1 communities
Nogales (Santa Cruz)
P · 7 communities
Page (Coconino); Paradise Valley (Maricopa); Parker (La Paz); Patagonia (Santa Cruz); Payson (Gila); Pima (Graham); Pinetop-Lakeside (Navajo)
Q · 1 communities
Quartzsite (La Paz)
S · 12 communities
Safford (Graham); Sahuarita (Pima); San Luis (Yuma); Sedona (Yavapai); Show Low (Navajo); Snowflake (Navajo); Somerton (Yuma); South Tucson (Pima); Springerville (Apache); St. Johns (Apache); Star Valley (Gila); Superior (Pinal)
T · 5 communities
Taylor (Navajo); Thatcher (Graham); Tolleson (Maricopa); Tombstone (Cochise); Tusayan (Coconino)
W · 6 communities
Wellton (Yuma); Wickenburg (Maricopa); Willcox (Cochise); Williams (Coconino); Winkelman (Gila); Winslow (Navajo)
Y · 1 communities
Youngtown (Maricopa)
Beauty salon questions: Arizona
Is beauty salon insurance required in Arizona?
State law usually does not require liability coverage, but leases and many clients do. Workers' compensation rules apply once you have employees, depending on the state.
How many beauty salons operate in Arizona?
County Business Patterns counted 1,711 beauty salons with employees in Arizona in 2023.
Which agency regulates insurers in Arizona?
The Arizona Department of Insurance and Financial Institutions. Cosmetology licenses are issued by a separate state body.
Do Arizona salon policies cover lash and skin services?
Many do when the services are listed. Medical procedures such as injectables need separate coverage.
Sources for this page: Census County Business Patterns (https://www.census.gov/programs-surveys/cbp.html); BLS OEWS (https://www.bls.gov/oes/); American Community Survey 2020–2024.
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Last updated October 15, 2026 · How we research