Hedge / Appetite / Salons, spas, barbers / New Jersey
● Review case by case in New Jersey / P&C

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 →
Class details

Review coverage and submission requirements.

Choose a coverage guide for line-specific details or open the submission guide for the first-packet checklist.

$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

Stronger starting profile.

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)?
Related

Related 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