Hedge / Appetite / Salons, spas, barbers
In current Hedge appetite / P&C

Salons, spas, barbers.

Salons, spas, barbers is in Hedge's current published wholesale appetite for licensed retail insurance brokers. Hair, nail, esthetician services. Med spas with injectables reviewed separately. Published target coverage includes General Liability with a published target of $1M / $2M, Professional Liability with a published target of $1M / $2M, and Commercial Property with a published target of $1M / loc. Hedge confirms current fit, the permitted submission route, and available terms after reviewing the account.

NAICS   812112 · 812199 · 812191
Also known as   barbershop, beauty salon, nail salon, med spa
Coverage

Published target coverage.

These are starting-point lines and limits for a salons spas barbers submission. Hedge confirms current fit, route, and available terms after account review.

General Liability $1M / $2M General Liability wholesale → Professional Liability $1M / $2M Professional Liability wholesale → Commercial Property $1M / loc Commercial Property wholesale →
Knowledge graph

Go deeper by coverage and packet.

Use the narrowest guide for the question. Coverage pages explain the line for this class; the submission guide organizes the first packet.

$1M / $2M General Liability for salons spas barbers Coverage context, underwriting facts, forms, and preparation guidance. $1M / $2M Miscellaneous E&O for salons spas barbers Coverage context, underwriting facts, forms, and preparation guidance. $1M / loc Commercial Property for salons spas barbers Coverage context, underwriting facts, forms, and preparation guidance.
Submission preparation
What to submit for salons spas barbers
Open class checklist →
Sweet spot

Where this fits cleanly.

This profile is the strongest starting point. Hedge confirms current market fit and route after reviewing the account.

01 Hair + nail + standard esthetics
02 Employee or booth-rental clean structure
03 State-licensed practitioners
Submission

What we need for placement review.

Including these items reduces back-and-forth. Additional underwriting information may be required.

  • 01Services performed
  • 02Booth-rental vs. employee model
  • 03Esthetician services (peels, microblading)
  • 04Injectables (Botox, fillers)?
State nuance

Where the answer changes by state.

For these states, the verdict, the limits, or the subjectivities shift. Open the state page for the full picture.

Salons, spas, barbers in New Jersey
NJ · Review case by case
Cosmetology license stricter; med spa requires physician.
Related

Adjacent classes.

Often relevant to a submission in this class.

P&C Apartment buildings & multi-family P&C Auto repair shops P&C Churches & religious institutions P&C Course of construction
FAQ

Common questions.

Does Hedge write salons spas barbers?

Salons, spas, barbers is in Hedge's current published appetite. Hair, nail, esthetician services. Med spas with injectables reviewed separately. Hedge confirms current market fit and route after reviewing the account.

What does Hedge need to quote salons spas barbers?

Services performed; Booth-rental vs. employee model; Esthetician services (peels, microblading); Injectables (Botox, fillers)?. These items support placement review, but an underwriter may request more.

What limits and lines does Hedge offer on salons spas barbers?

General Liability target up to $1M / $2M; Professional Liability target up to $1M / $2M; Commercial Property target up to $1M / loc. These are published targets, not promised terms. Available limits are confirmed after account and market review.

Does Hedge write salon?

Salon is one way brokers describe salons spas barbers. It maps to the same published Salons, spas, barbers appetite, target lines, and submission guidance listed above. Current fit and route still require account review.

Public appetite is directional and may change. It is not a quote, binder, coverage commitment, or confirmation of access to any named market. Hedge confirms current fit, route, and authority after reviewing the account.

· LAST REVIEWED   2026-08-24    · HEDGE SPECIALTY DBA TAVEN INSURANCE SERVICES LLC   CA LICENSE #6018729   NPN 22154671