Salons, spas, barbers in New Jersey.

Salons, spas, barbers in New Jersey is reviewed case by case in Hedge's current published wholesale appetite for licensed retail insurance brokers. Cosmetology license stricter; med spa requires physician. 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

Submit a risk All states for this class

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)?

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 in New Jersey?

Case by case in New Jersey. Cosmetology license stricter; med spa requires physician. The base appetite guidance still applies, subject to account and market review.

What's different about salons spas barbers in New Jersey?

Cosmetology license stricter; med spa requires physician. This is the state-specific issue to address up front. The base salons spas barbers guidance otherwise applies. See the Submission section for the current list.

What limits will Hedge offer on salons spas barbers in New Jersey?

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. Cosmetology license stricter; med spa requires physician. Available limits are confirmed after account and market 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