Salons, spas, barbers in New Jersey · Edge · Hedge E&S
Hedge / Appetite / Salons, spas, barbers / New Jersey
● Edge in New Jersey, case by case / P&C

Salons, spas, barbers in New Jersey.

Hair, nail, esthetician services. Med spas with injectables reviewed separately.

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

Cosmetology license stricter; med spa requires physician.

Submit a risk All states for this class
Coverage

What we'd quote.

Standard limits on a clean salons spas barbers submission. Excess towers structured on request.

General Liability $1M / $2M General Liability wholesale → Professional Liability $1M / $2M Professional Liability wholesale → Commercial Property $1M / loc Commercial Property wholesale →
Sweet spot

Where this fits cleanly.

When the file matches this profile we quote without referral.

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

What we'll need to bind.

Pull these together with the file and we quote in hours.

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

Case by case in New Jersey. Cosmetology license stricter; med spa requires physician. The base appetite still applies. Send the file and we'll quote with the state-specific carve-outs.

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

Cosmetology license stricter; med spa requires physician. That's the carve-out brokers need to know about up front. Everything else mirrors the base salons spas barbers appetite. See the Submission section for the full list.

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

General Liability to $1M / $2M; Professional Liability to $1M / $2M; Commercial Property to $1M / loc. Excess towers are structured on request. State-specific carve-outs (e.g. NJ New Jersey wind / wildfire / labor-law endorsements) priced individually.

· LAST REVIEWED   2026-05-19    · HEDGE SPECIALTY DBA TAVEN INSURANCE SERVICES LLC   CA LICENSE #6018729   NPN 22154671