Public appetite guidance. Pick a class and a state.
This checker gives licensed retail insurance professionals a directional class-and-state starting point. It is not a quote, coverage commitment, named-market access statement, or bind authorization. Hedge confirms current account fit and the usable route after review.
By line of business. Or see every published class.
About this tool.
How to use public appetite without overstating account eligibility, market access, or authority.
What is the Hedge appetite checker?
A public, directional lookup by class and state. It shows the published status, line and limit guidance, conditions, and preparation information without exposing private carrier routes. Hedge reviews the actual account before confirming current fit.
Why does Hedge's appetite vary by state?
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.
What coverage information does the checker show?
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.
Does a class page confirm eligibility in every state?
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.
What happens after I submit a risk?
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.
How do I get appointed with Hedge?
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.