Wholesale insurance appetite checker.

Hedge's checker gives licensed retail insurance professionals a directional class-and-state starting point. Search by business class or NAICS code, select a state, and review published coverage lines, target limits, conditions, and submission preparation. It does not expose private carrier routes. Hedge reviews the actual account before confirming current fit.

Insurance appetite describes the types of businesses and exposures an insurer or underwriting program is willing to consider. Class, location, operations, and loss history can affect that interest. Being within published appetite does not guarantee that a specific account qualifies or will receive a quote.

Cat exposure, statutes, licensing rules, and other state-specific facts can change the directional result. Hedge publishes a state page only when a reviewed state fact materially changes the base class guidance.

Each class page shows public line and target-limit guidance, conditions, preparation information, and related classes. The coverage library explains the broader coverage and placement questions. Neither source replaces account-specific underwriting or policy review.

No. A state-specific page records a reviewed public override where one exists. The absence of an override does not prove account eligibility, appointment, activation, market access, or a submission route.

Hedge receives the file for brokerage review. Receipt by Hedge is not the same as release to a market. Hedge then identifies missing facts, confirms a usable route where available, and keeps submitted, released, quoted, bound, and issued states separate. Timing depends on the account and market.

Open the Get appointed page and complete the application. Submission of the application starts Hedge review. Appointment, product activation, submission route, quote authority, and bind authority remain separate and are confirmed through Hedge.