Any risk
Hedge Loss and Claims Supplement
A fillable Hedge supplement for organizing prior losses, claims, and open-claim detail for wholesale review.
View form and fillable PDF →Class and coverage guide
Commercial Property for Salons, spas, barbers.
Direct answer. Commercial Property is included in Hedge's published target coverage for Salons, spas, barbers under the line Commercial Property, with a published target of $1M / loc. The current public class status is in current public appetite. Hedge must confirm current fit, route, and available terms after reviewing the real account.
Coverage context
What this coverage question means.
Commercial property insurance commonly addresses direct physical loss to scheduled buildings, business personal property, and related time-element interests, subject to the policy form and causes of loss. Wholesale review may be appropriate when occupancy, construction, protection, catastrophe exposure, valuation, vacancy, losses, or requested limits do not fit an admitted market.
Class context. Hair, nail, esthetician services. Med spas with injectables reviewed separately.
Terms depend on the policy and account
This page does not interpret a policy or promise coverage. Actual coverage depends on the issued forms, endorsements, exclusions, conditions, limits, and facts accepted by the insurer.
Underwriting facts
What changes the answer.
- Services performed
- Booth-rental vs. employee model
- Esthetician services (peels, microblading)
- Injectables (Botox, fillers)?
Conditions that need closer review
- Med spa with injectables (RN/PA on staff)
- Laser hair removal / IPL
- Permanent makeup / microblading
- Surgical procedures (lift, lipo)
- Tattoo removal with high-power lasers (unsupervised)
Stronger starting profile
Controls and facts to surface.
- Hair + nail + standard esthetics
- Employee or booth-rental clean structure
- State-licensed practitioners
Hedge forms
Useful class-specific preparation resources.
These Hedge-owned forms may help organize the account. A form listing does not make the form mandatory for every submission and does not prove appetite or market access.
Standard form references
Common commercial form sections to understand.
Use the edition accepted by the intended market. Hedge explains these form purposes but does not republish ACORD files in its public form library.
ACORD 125
Commercial Insurance Application Applicant Information Section
The applicant-information foundation for a commercial insurance submission. It organizes the named insured, business operations, locations, prior coverage, requested lines, and other account-level facts that line-specific sections build on.
Read form guide →ACORD 140
Property Section
The commercial property section used to describe premises, buildings, values, construction, occupancy, protection, causes of loss, deductibles, and other property-specific requests.
Read form guide →State detail
Published class-specific state notes.
NJ / Review case by case
Salons, spas, barbers in NJ
Cosmetology license stricter; med spa requires physician.
Open state appetite →Next step
Build the account before choosing a route.
Open the class submission guide for the first-packet checklist, then have Hedge review the actual account. Do not infer a carrier, route, or authorization from this public page.