{
  "schema_version": 1,
  "name": "Hedge public wholesale appetite",
  "publisher": {
    "name": "Hedge Specialty",
    "legal_name": "Taven Insurance Services LLC dba Hedge Specialty",
    "url": "https://www.hedgespecialty.com",
    "npn": "22154671",
    "california_license": "6018729"
  },
  "canonical_url": "https://www.hedgespecialty.com/appetite.json",
  "last_reviewed": "2026-08-24",
  "authority_notice": "Public appetite is directional and may change. It is not a quote, binder, coverage commitment, or confirmation of access to a named market. Hedge confirms current fit, route, and authority after reviewing the account.",
  "action_policy": {
    "prefill_url_template": "https://www.hedgespecialty.com/submit?class={class-slug}&state={USPS-code}&src=ai",
    "prefill_only": true,
    "user_review_and_approval_required": true,
    "no_personal_or_submission_data_in_url": true
  },
  "classes": [
    {
      "slug": "habitational",
      "name": "Apartment buildings & multi-family",
      "aliases": [
        "habitational",
        "apartments",
        "multifamily",
        "tenant-occupied",
        "rentals",
        "MDU",
        "1-4 unit"
      ],
      "category": "P&C",
      "verdict": "yes",
      "verdict_label": "In current Hedge appetite",
      "summary": "Frame and joisted masonry up to 4 stories. 10-250 units. Updated roofs win.",
      "naics": [
        "531110",
        "531311",
        "531312"
      ],
      "target_coverage": [
        {
          "name": "Commercial Property",
          "target": "$50M TIV / loc",
          "resource_url": "https://www.hedgespecialty.com/commercial-property.html"
        },
        {
          "name": "General Liability",
          "target": "$1M / $2M",
          "resource_url": "https://www.hedgespecialty.com/general-liability.html"
        },
        {
          "name": "EPL (HR-1 form)",
          "target": "$1M agg",
          "resource_url": "https://www.hedgespecialty.com/employment-practices.html"
        }
      ],
      "submission_requirements": [
        "5-year loss runs, all property + GL",
        "Statement of values with construction class",
        "Roof age & last replacement date",
        "Wiring (knob-and-tube? aluminum?)",
        "Plumbing material & last update",
        "Section 8 / HUD percentage if any"
      ],
      "ideal_profile": [
        "10-200 units, pitched roof, frame or JM",
        "Roof replaced in last 15 years",
        "Updated plumbing + electrical",
        "Owner-occupied management"
      ],
      "review_factors": [
        "Tier 1 wind coastal exposure",
        "Section 8 housing > 30% of units",
        "Frame > 4 stories"
      ],
      "outside_profile": [
        "Single-family & 1-4 unit rentals (use sfr-landlord)",
        "Vacant > 30 days at submission",
        "Boarded-up or condemned buildings",
        "Halfway / sober living houses"
      ],
      "state_overrides": [
        {
          "state": "CA",
          "state_name": "California",
          "verdict": "edge",
          "verdict_label": "Review case by case",
          "note": "Wildfire score reviewed individually. Avoid 7+/10 unless built post-2010 with defensible space.",
          "detail_url": "https://www.hedgespecialty.com/appetite/habitational-ca"
        },
        {
          "state": "FL",
          "state_name": "Florida",
          "verdict": "edge",
          "verdict_label": "Review case by case",
          "note": "Wind deductible 3-5% standard. Miami-Dade/Broward referred.",
          "detail_url": "https://www.hedgespecialty.com/appetite/habitational-fl"
        },
        {
          "state": "TX",
          "state_name": "Texas",
          "verdict": "edge",
          "verdict_label": "Review case by case",
          "note": "Coastal tier-1 referred individually.",
          "detail_url": "https://www.hedgespecialty.com/appetite/habitational-tx"
        },
        {
          "state": "LA",
          "state_name": "Louisiana",
          "verdict": "edge",
          "verdict_label": "Review case by case",
          "note": "Wind deductible required.",
          "detail_url": "https://www.hedgespecialty.com/appetite/habitational-la"
        }
      ],
      "detail_url": "https://www.hedgespecialty.com/appetite/habitational",
      "submission_url": "https://www.hedgespecialty.com/submit?class=habitational"
    },
    {
      "slug": "vacant-building",
      "name": "Vacant commercial buildings",
      "aliases": [
        "vacant",
        "vacancy",
        "unoccupied building",
        "empty building"
      ],
      "category": "P&C",
      "verdict": "yes",
      "verdict_label": "In current Hedge appetite",
      "summary": "Vacant & partially-occupied buildings up to 12 months. Renovation plan helps.",
      "naics": [
        "531120",
        "531190"
      ],
      "target_coverage": [
        {
          "name": "Commercial Property",
          "target": "$10M / loc",
          "resource_url": "https://www.hedgespecialty.com/commercial-property.html"
        },
        {
          "name": "General Liability",
          "target": "$1M / $2M",
          "resource_url": "https://www.hedgespecialty.com/general-liability.html"
        }
      ],
      "submission_requirements": [
        "Date of last occupancy",
        "Renovation timeline + permits",
        "Security: alarm, fencing, lighting",
        "Utilities status (winter heat critical)",
        "Photos of all 4 elevations"
      ],
      "ideal_profile": [
        "Under renovation with active permits",
        "Central station alarm + sprinklers",
        "Plans to re-occupy within 12 months"
      ],
      "review_factors": [
        "Vacant > 12 months",
        "No security and no sprinklers",
        "Habitational vacancy mid-tenant",
        "Vacant residential mid-rehab (use flip-rehab)"
      ],
      "outside_profile": [
        "Condemned or distressed properties",
        "Open frame / no roof",
        "Active arson investigation in neighborhood"
      ],
      "state_overrides": [
        {
          "state": "LA",
          "state_name": "Louisiana",
          "verdict": "edge",
          "verdict_label": "Review case by case",
          "note": "Wind exposure individually rated.",
          "detail_url": "https://www.hedgespecialty.com/appetite/vacant-building-la"
        },
        {
          "state": "FL",
          "state_name": "Florida",
          "verdict": "edge",
          "verdict_label": "Review case by case",
          "note": "Wind exposure individually rated.",
          "detail_url": "https://www.hedgespecialty.com/appetite/vacant-building-fl"
        }
      ],
      "detail_url": "https://www.hedgespecialty.com/appetite/vacant-building",
      "submission_url": "https://www.hedgespecialty.com/submit?class=vacant-building"
    },
    {
      "slug": "construction-cof",
      "name": "Course of construction",
      "aliases": [
        "builders risk",
        "COC",
        "course of construction",
        "renovation",
        "ground-up build"
      ],
      "category": "P&C",
      "verdict": "yes",
      "verdict_label": "In current Hedge appetite",
      "summary": "Builder's risk for ground-up + renovation projects up to $25M completed value. 12-month policies standard.",
      "naics": [
        "236115",
        "236118",
        "236220"
      ],
      "target_coverage": [
        {
          "name": "Builder's Risk",
          "target": "$25M completed value",
          "resource_url": "https://www.hedgespecialty.com/commercial-property.html"
        },
        {
          "name": "Pollution",
          "target": "$1M / $2M",
          "resource_url": "https://www.hedgespecialty.com/environmental.html"
        }
      ],
      "submission_requirements": [
        "Total completed value",
        "Hard-cost breakdown + contractor",
        "Renovation: existing structure value",
        "Soft costs and ALE if needed",
        "Estimated completion date"
      ],
      "ideal_profile": [
        "Ground-up commercial < $25M",
        "Licensed GC with 5+ years experience",
        "Sprinklered construction"
      ],
      "review_factors": [
        "Mid-rise wood frame > 4 stories",
        "Sites with prior loss / theft history",
        "Out-of-state owners with local GC only"
      ],
      "outside_profile": [
        "Self-built owner / no licensed GC",
        "Wildfire WUI without active defensible space",
        "Residential fix-and-flip / rehab projects (use flip-rehab)"
      ],
      "state_overrides": [
        {
          "state": "CA",
          "state_name": "California",
          "verdict": "edge",
          "verdict_label": "Review case by case",
          "note": "Wildfire WUI requires defensible space documentation.",
          "detail_url": "https://www.hedgespecialty.com/appetite/construction-cof-ca"
        },
        {
          "state": "FL",
          "state_name": "Florida",
          "verdict": "edge",
          "verdict_label": "Review case by case",
          "note": "Wind deductible mandatory during build.",
          "detail_url": "https://www.hedgespecialty.com/appetite/construction-cof-fl"
        }
      ],
      "detail_url": "https://www.hedgespecialty.com/appetite/construction-cof",
      "submission_url": "https://www.hedgespecialty.com/submit?class=construction-cof"
    },
    {
      "slug": "restaurant",
      "name": "Restaurants",
      "aliases": [
        "restaurants",
        "diner",
        "cafe",
        "eatery",
        "fast casual",
        "QSR"
      ],
      "category": "P&C",
      "verdict": "yes",
      "verdict_label": "In current Hedge appetite",
      "summary": "Sit-down, fast-casual, QSR. Liquor optional. Owner-operated wins.",
      "naics": [
        "722511",
        "722513",
        "722514"
      ],
      "target_coverage": [
        {
          "name": "Commercial Property",
          "target": "$5M / loc",
          "resource_url": "https://www.hedgespecialty.com/commercial-property.html"
        },
        {
          "name": "General Liability",
          "target": "$1M / $2M",
          "resource_url": "https://www.hedgespecialty.com/general-liability.html"
        },
        {
          "name": "Liquor Liability",
          "target": "$1M / $2M (if needed)",
          "resource_url": "https://www.hedgespecialty.com/general-liability.html"
        },
        {
          "name": "Workers' Comp (referral)",
          "target": "Statutory",
          "resource_url": "https://www.hedgespecialty.com/general-liability.html"
        }
      ],
      "submission_requirements": [
        "5-year loss runs",
        "% sales: food / liquor / takeout",
        "Hood cleaning frequency",
        "Years in operation under current owner",
        "Live music / late-night / dance floor?"
      ],
      "ideal_profile": [
        "Sit-down dining, < 30% liquor",
        "Owner on premises, 2+ years",
        "Quarterly hood cleaning + ANSUL"
      ],
      "review_factors": [
        "Bars / lounges > 50% liquor",
        "Late-night (after 1 AM)",
        "Hibachi / open-flame tableside"
      ],
      "outside_profile": [
        "Adult entertainment establishments",
        "Hookah lounges as primary use",
        "Nightclubs with cover charge as primary revenue"
      ],
      "state_overrides": [],
      "detail_url": "https://www.hedgespecialty.com/appetite/restaurant",
      "submission_url": "https://www.hedgespecialty.com/submit?class=restaurant"
    },
    {
      "slug": "bar-nightclub",
      "name": "Bars & nightclubs",
      "aliases": [
        "bars",
        "nightclubs",
        "tavern",
        "pub",
        "lounge",
        "cocktail bar"
      ],
      "category": "P&C",
      "verdict": "edge",
      "verdict_label": "Review case by case",
      "summary": "Bars and lounges with door control and trained staff. Nightclubs reviewed case-by-case.",
      "naics": [
        "722410"
      ],
      "target_coverage": [
        {
          "name": "General Liability",
          "target": "$1M / $2M",
          "resource_url": "https://www.hedgespecialty.com/general-liability.html"
        },
        {
          "name": "Liquor Liability",
          "target": "$1M / $2M",
          "resource_url": "https://www.hedgespecialty.com/general-liability.html"
        },
        {
          "name": "Commercial Property",
          "target": "$3M / loc",
          "resource_url": "https://www.hedgespecialty.com/commercial-property.html"
        },
        {
          "name": "Assault & Battery sub-limit",
          "target": "$100K / $300K",
          "resource_url": "https://www.hedgespecialty.com/general-liability.html"
        }
      ],
      "submission_requirements": [
        "5-year loss runs (all lines)",
        "Door staff training & ID checks",
        "Closing hour + last call",
        "% revenue food vs. liquor",
        "Cover charge / dance floor?",
        "Incident log last 3 years"
      ],
      "ideal_profile": [
        "Neighborhood bar with kitchen",
        "Trained door staff (TIPS or local equiv.)",
        "Cameras inside + on entry"
      ],
      "review_factors": [
        "Dance club with cover charge",
        "Late-night (open past 2 AM)",
        "Prior assault & battery claims"
      ],
      "outside_profile": [
        "Strip clubs / adult venues",
        "Hookah-only lounges",
        "Underground / unlicensed venues"
      ],
      "state_overrides": [
        {
          "state": "NY",
          "state_name": "New York",
          "verdict": "edge",
          "verdict_label": "Review case by case",
          "note": "NYC needs full security plan with submission.",
          "detail_url": "https://www.hedgespecialty.com/appetite/bar-nightclub-ny"
        },
        {
          "state": "TX",
          "state_name": "Texas",
          "verdict": "edge",
          "verdict_label": "Review case by case",
          "note": "TABC compliance documents required at bind.",
          "detail_url": "https://www.hedgespecialty.com/appetite/bar-nightclub-tx"
        },
        {
          "state": "NV",
          "state_name": "Nevada",
          "verdict": "edge",
          "verdict_label": "Review case by case",
          "note": "Las Vegas Strip individually reviewed.",
          "detail_url": "https://www.hedgespecialty.com/appetite/bar-nightclub-nv"
        }
      ],
      "detail_url": "https://www.hedgespecialty.com/appetite/bar-nightclub",
      "submission_url": "https://www.hedgespecialty.com/submit?class=bar-nightclub"
    },
    {
      "slug": "food-truck",
      "name": "Food trucks & mobile food",
      "aliases": [
        "food truck",
        "food trailer",
        "mobile food",
        "catering truck",
        "lunch truck"
      ],
      "category": "P&C",
      "verdict": "yes",
      "verdict_label": "In current Hedge appetite",
      "summary": "Food trucks and trailers with auto + property + GL on one file.",
      "naics": [
        "722330"
      ],
      "target_coverage": [
        {
          "name": "General Liability",
          "target": "$1M / $2M",
          "resource_url": "https://www.hedgespecialty.com/general-liability.html"
        },
        {
          "name": "Commercial Auto",
          "target": "$1M CSL",
          "resource_url": "https://www.hedgespecialty.com/commercial-auto.html"
        },
        {
          "name": "Inland Marine (equipment)",
          "target": "$100K",
          "resource_url": "https://www.hedgespecialty.com/inland-marine.html"
        },
        {
          "name": "Product Liability",
          "target": "Included in GL",
          "resource_url": "https://www.hedgespecialty.com/product-liability.html"
        }
      ],
      "submission_requirements": [
        "VIN + year + GVW of truck/trailer",
        "Driver MVRs",
        "Hood / ANSUL inspection date",
        "Service area (states/cities)",
        "Special events frequency"
      ],
      "ideal_profile": [
        "Single-truck or small fleet (≤ 5)",
        "Owner-driver model",
        "Quarterly hood cleaning"
      ],
      "review_factors": [
        "Festival / event-only operation",
        "Cross-country traveling",
        "Cannabis-infused products"
      ],
      "outside_profile": [
        "Trucks with prior fire loss > $50K",
        "No commercial license / no MVR"
      ],
      "state_overrides": [],
      "detail_url": "https://www.hedgespecialty.com/appetite/food-truck",
      "submission_url": "https://www.hedgespecialty.com/submit?class=food-truck"
    },
    {
      "slug": "convenience-store",
      "name": "Convenience stores & gas stations",
      "aliases": [
        "c-store",
        "convenience store",
        "gas station",
        "bodega",
        "corner store",
        "deli"
      ],
      "category": "P&C",
      "verdict": "edge",
      "verdict_label": "Review case by case",
      "summary": "Convenience stores with or without gas. Pollution add-on for fuel storage.",
      "naics": [
        "445120",
        "447110"
      ],
      "target_coverage": [
        {
          "name": "Commercial Property",
          "target": "$2M / loc",
          "resource_url": "https://www.hedgespecialty.com/commercial-property.html"
        },
        {
          "name": "General Liability",
          "target": "$1M / $2M",
          "resource_url": "https://www.hedgespecialty.com/general-liability.html"
        },
        {
          "name": "Storage Tank Pollution",
          "target": "$1M / $2M",
          "resource_url": "https://www.hedgespecialty.com/environmental.html"
        },
        {
          "name": "Crime",
          "target": "$25K / $50K",
          "resource_url": "https://www.hedgespecialty.com/management-liability.html"
        }
      ],
      "submission_requirements": [
        "Tank age, material, monitoring",
        "Last leak detection test",
        "Lottery / check cashing as % revenue",
        "Hours of operation",
        "Robbery history (5-year)"
      ],
      "ideal_profile": [
        "Double-wall tanks, < 20 years old",
        "Monitored alarm + cameras",
        "Daytime/evening hours only"
      ],
      "review_factors": [
        "24/7 single-attendant operation",
        "Single-wall steel tanks (replace plan helps)",
        "High-crime neighborhood"
      ],
      "outside_profile": [
        "Tanks > 30 years with no upgrade plan",
        "Active contamination on record"
      ],
      "state_overrides": [
        {
          "state": "FL",
          "state_name": "Florida",
          "verdict": "edge",
          "verdict_label": "Review case by case",
          "note": "Tank pollution coverage mandatory; older tanks declined.",
          "detail_url": "https://www.hedgespecialty.com/appetite/convenience-store-fl"
        },
        {
          "state": "TX",
          "state_name": "Texas",
          "verdict": "edge",
          "verdict_label": "Review case by case",
          "note": "TCEQ leak detection compliance required.",
          "detail_url": "https://www.hedgespecialty.com/appetite/convenience-store-tx"
        }
      ],
      "detail_url": "https://www.hedgespecialty.com/appetite/convenience-store",
      "submission_url": "https://www.hedgespecialty.com/submit?class=convenience-store"
    },
    {
      "slug": "auto-repair",
      "name": "Auto repair shops",
      "aliases": [
        "auto repair",
        "mechanic",
        "garage",
        "service garage",
        "oil change",
        "muffler shop"
      ],
      "category": "P&C",
      "verdict": "yes",
      "verdict_label": "In current Hedge appetite",
      "summary": "Independent mechanics and small chains. Garagekeepers included.",
      "naics": [
        "811111",
        "811112"
      ],
      "target_coverage": [
        {
          "name": "General Liability",
          "target": "$1M / $2M",
          "resource_url": "https://www.hedgespecialty.com/general-liability.html"
        },
        {
          "name": "Garagekeepers",
          "target": "$250K direct primary",
          "resource_url": "https://www.hedgespecialty.com/general-liability.html"
        },
        {
          "name": "Commercial Property",
          "target": "$2M / loc",
          "resource_url": "https://www.hedgespecialty.com/commercial-property.html"
        },
        {
          "name": "Pollution",
          "target": "$500K (waste oil)",
          "resource_url": "https://www.hedgespecialty.com/environmental.html"
        }
      ],
      "submission_requirements": [
        "Number of bays + lifts",
        "Customer cars on premises at any time",
        "Used oil disposal vendor",
        "Body work %",
        "Wash bay (pollution exposure)?"
      ],
      "ideal_profile": [
        "Independent shops with 3+ bays",
        "No body work / paint booth",
        "Long-term lease, not roadside"
      ],
      "review_factors": [
        "Heavy collision / paint work",
        "Off-road / racing modifications",
        "Tow service in addition"
      ],
      "outside_profile": [
        "Demolition / scrap operations",
        "Container-only shops with no permanent location"
      ],
      "state_overrides": [],
      "detail_url": "https://www.hedgespecialty.com/appetite/auto-repair",
      "submission_url": "https://www.hedgespecialty.com/submit?class=auto-repair"
    },
    {
      "slug": "auto-body",
      "name": "Auto body & paint shops",
      "aliases": [
        "body shop",
        "auto body",
        "collision repair",
        "paint shop"
      ],
      "category": "P&C",
      "verdict": "edge",
      "verdict_label": "Review case by case",
      "summary": "Collision and paint shops with permitted booth & venting.",
      "naics": [
        "811121"
      ],
      "target_coverage": [
        {
          "name": "General Liability",
          "target": "$1M / $2M",
          "resource_url": "https://www.hedgespecialty.com/general-liability.html"
        },
        {
          "name": "Garagekeepers",
          "target": "$500K",
          "resource_url": "https://www.hedgespecialty.com/general-liability.html"
        },
        {
          "name": "Commercial Property",
          "target": "$2M / loc",
          "resource_url": "https://www.hedgespecialty.com/commercial-property.html"
        },
        {
          "name": "Pollution",
          "target": "$500K",
          "resource_url": "https://www.hedgespecialty.com/environmental.html"
        }
      ],
      "submission_requirements": [
        "Paint booth permits + venting docs",
        "Air permit (where required by state)",
        "Solvent disposal vendor",
        "Lift count + customer cars max"
      ],
      "ideal_profile": [
        "Permitted booth with active maintenance",
        "Insurance-direct repair shop",
        "No fleet / OEM exclusivity"
      ],
      "review_factors": [
        "Older booth, no recent inspection",
        "On-site fuel storage > 500 gal"
      ],
      "outside_profile": [
        "Unpermitted paint operations",
        "Shops in residential zones without variance"
      ],
      "state_overrides": [
        {
          "state": "CA",
          "state_name": "California",
          "verdict": "edge",
          "verdict_label": "Review case by case",
          "note": "BAR license required; CARB air permit copy at bind.",
          "detail_url": "https://www.hedgespecialty.com/appetite/auto-body-ca"
        }
      ],
      "detail_url": "https://www.hedgespecialty.com/appetite/auto-body",
      "submission_url": "https://www.hedgespecialty.com/submit?class=auto-body"
    },
    {
      "slug": "warehouse",
      "name": "Warehouses & distribution",
      "aliases": [
        "warehouse",
        "distribution",
        "logistics",
        "3PL",
        "fulfillment center",
        "storage facility"
      ],
      "category": "P&C",
      "verdict": "yes",
      "verdict_label": "In current Hedge appetite",
      "summary": "Dry warehouses, light distribution, 3PLs. Stock burdens reviewed individually.",
      "naics": [
        "493110",
        "493120",
        "493130"
      ],
      "target_coverage": [
        {
          "name": "Commercial Property",
          "target": "$50M TIV / loc",
          "resource_url": "https://www.hedgespecialty.com/commercial-property.html"
        },
        {
          "name": "General Liability",
          "target": "$1M / $2M",
          "resource_url": "https://www.hedgespecialty.com/general-liability.html"
        },
        {
          "name": "Inland Marine (BPP)",
          "target": "$5M (if shipping)",
          "resource_url": "https://www.hedgespecialty.com/inland-marine.html"
        },
        {
          "name": "Product Liability",
          "target": "Per goods stored",
          "resource_url": "https://www.hedgespecialty.com/product-liability.html"
        }
      ],
      "submission_requirements": [
        "Commodity class (food, electronics, etc.)",
        "Rack height + sprinkler rating",
        "Forklift count + drivers",
        "Hours of operation",
        "% own stock vs. customer goods"
      ],
      "ideal_profile": [
        "ESFR sprinklers in racked storage",
        "Class I-IV non-hazardous commodities",
        "On-site security after hours"
      ],
      "review_factors": [
        "Cold storage (refrigeration breakdown coverage needed)",
        "Plastic / aerosol storage",
        "Cross-dock with no real storage"
      ],
      "outside_profile": [
        "Hazardous materials > Class IV",
        "Self-storage with public access (separate market)"
      ],
      "state_overrides": [
        {
          "state": "CA",
          "state_name": "California",
          "verdict": "edge",
          "verdict_label": "Review case by case",
          "note": "AB 2143 (warehouse worker quota) compliance required for 100+ employees.",
          "detail_url": "https://www.hedgespecialty.com/appetite/warehouse-ca"
        }
      ],
      "detail_url": "https://www.hedgespecialty.com/appetite/warehouse",
      "submission_url": "https://www.hedgespecialty.com/submit?class=warehouse"
    },
    {
      "slug": "self-storage",
      "name": "Self-storage facilities",
      "aliases": [
        "self storage",
        "mini storage",
        "storage units"
      ],
      "category": "P&C",
      "verdict": "yes",
      "verdict_label": "In current Hedge appetite",
      "summary": "Outdoor and climate-controlled self-storage. Tenant insurance program available.",
      "naics": [
        "531130"
      ],
      "target_coverage": [
        {
          "name": "Commercial Property",
          "target": "$25M TIV / loc",
          "resource_url": "https://www.hedgespecialty.com/commercial-property.html"
        },
        {
          "name": "General Liability",
          "target": "$1M / $2M",
          "resource_url": "https://www.hedgespecialty.com/general-liability.html"
        },
        {
          "name": "Customer Goods Legal Liability",
          "target": "$5K / unit",
          "resource_url": "https://www.hedgespecialty.com/inland-marine.html"
        }
      ],
      "submission_requirements": [
        "Total square footage + unit count",
        "% climate controlled",
        "Lease type (month-to-month)",
        "Auto-pay enrollment rate"
      ],
      "ideal_profile": [
        "5,000-80,000 sq ft, mixed climate",
        "Tenant insurance enrollment > 50%",
        "Drive-up + interior units"
      ],
      "review_factors": [
        "RV / boat storage as primary use",
        "Vehicle title transfers on site"
      ],
      "outside_profile": [
        "Container-only storage with no on-site presence",
        "Storage that doubles as workshop / live-in"
      ],
      "state_overrides": [],
      "detail_url": "https://www.hedgespecialty.com/appetite/self-storage",
      "submission_url": "https://www.hedgespecialty.com/submit?class=self-storage"
    },
    {
      "slug": "landscaper",
      "name": "Landscapers & lawn care",
      "aliases": [
        "landscaper",
        "lawn care",
        "yard work",
        "grounds maintenance",
        "lawn mowing",
        "landscape design"
      ],
      "category": "P&C",
      "verdict": "yes",
      "verdict_label": "In current Hedge appetite",
      "summary": "Landscapers, lawn services, and small grounds-maintenance shops. Pesticide application sub'd separately.",
      "naics": [
        "561730"
      ],
      "target_coverage": [
        {
          "name": "General Liability",
          "target": "$1M / $2M",
          "resource_url": "https://www.hedgespecialty.com/general-liability.html"
        },
        {
          "name": "Commercial Auto",
          "target": "$1M CSL",
          "resource_url": "https://www.hedgespecialty.com/commercial-auto.html"
        },
        {
          "name": "Inland Marine (tools)",
          "target": "$25K",
          "resource_url": "https://www.hedgespecialty.com/inland-marine.html"
        }
      ],
      "submission_requirements": [
        "Pesticide / herbicide use (yes/no)",
        "Tree work (trim, removal, height)",
        "Snow plowing in winter?",
        "Number of crews + drivers"
      ],
      "ideal_profile": [
        "Residential & light commercial",
        "Mowing + design, no pesticide license",
        "Crews of 2-4 with licensed driver"
      ],
      "review_factors": [
        "Tree removal > 30 ft height",
        "Aerial bucket / crane operations",
        "Pesticide application by employees"
      ],
      "outside_profile": [
        "Tree felling near power lines",
        "Crane-assisted tree removal"
      ],
      "state_overrides": [
        {
          "state": "FL",
          "state_name": "Florida",
          "verdict": "edge",
          "verdict_label": "Review case by case",
          "note": "Hurricane debris cleanup excluded by default; endorse if needed.",
          "detail_url": "https://www.hedgespecialty.com/appetite/landscaper-fl"
        }
      ],
      "detail_url": "https://www.hedgespecialty.com/appetite/landscaper",
      "submission_url": "https://www.hedgespecialty.com/submit?class=landscaper"
    },
    {
      "slug": "tree-trimming",
      "name": "Tree trimming & removal",
      "aliases": [
        "tree service",
        "tree trimming",
        "tree removal",
        "arborist",
        "tree felling"
      ],
      "category": "P&C",
      "verdict": "edge",
      "verdict_label": "Review case by case",
      "summary": "Tree trim and removal up to 50 ft. Bucket trucks OK. No crane work without referral.",
      "naics": [
        "561730"
      ],
      "target_coverage": [
        {
          "name": "General Liability",
          "target": "$1M / $2M",
          "resource_url": "https://www.hedgespecialty.com/general-liability.html"
        },
        {
          "name": "Commercial Auto",
          "target": "$1M CSL",
          "resource_url": "https://www.hedgespecialty.com/commercial-auto.html"
        },
        {
          "name": "Inland Marine (saws, climbing gear)",
          "target": "$50K",
          "resource_url": "https://www.hedgespecialty.com/inland-marine.html"
        }
      ],
      "submission_requirements": [
        "Max tree height (current job site)",
        "Bucket truck or climber?",
        "ISA-certified arborist on staff?",
        "Power line proximity work",
        "% residential vs. municipal"
      ],
      "ideal_profile": [
        "ISA-certified, no power line work",
        "Trim 70% / removal 30% mix",
        "5+ years in business"
      ],
      "review_factors": [
        "Crane-assisted removal",
        "Storm-chasing crews",
        "Work within 10 ft of power lines"
      ],
      "outside_profile": [
        "Utility-contractor tree trimming (separate market)",
        "Solo operators with no climbing certs"
      ],
      "state_overrides": [
        {
          "state": "FL",
          "state_name": "Florida",
          "verdict": "edge",
          "verdict_label": "Review case by case",
          "note": "Hurricane debris work individually rated.",
          "detail_url": "https://www.hedgespecialty.com/appetite/tree-trimming-fl"
        },
        {
          "state": "TX",
          "state_name": "Texas",
          "verdict": "edge",
          "verdict_label": "Review case by case",
          "note": "Storm-chasing crews declined.",
          "detail_url": "https://www.hedgespecialty.com/appetite/tree-trimming-tx"
        }
      ],
      "detail_url": "https://www.hedgespecialty.com/appetite/tree-trimming",
      "submission_url": "https://www.hedgespecialty.com/submit?class=tree-trimming"
    },
    {
      "slug": "security-guard-unarmed",
      "name": "Security guards. Unarmed contract",
      "aliases": [
        "security guard",
        "unarmed guard",
        "unarmed security",
        "contract guard",
        "patrol service",
        "guard service"
      ],
      "category": "P&C",
      "verdict": "yes",
      "verdict_label": "In current Hedge appetite",
      "summary": "Unarmed contract guards, commercial property and retail posts. Standing or roving. State-licensed crews welcomed.",
      "naics": [],
      "target_coverage": [
        {
          "name": "General Liability",
          "target": "$1M / $2M",
          "resource_url": "https://www.hedgespecialty.com/general-liability.html"
        },
        {
          "name": "Professional Liability (E&O)",
          "target": "$1M / $1M",
          "resource_url": "https://www.hedgespecialty.com/misc-eo.html"
        },
        {
          "name": "Commercial Auto (mobile patrol)",
          "target": "$1M CSL",
          "resource_url": "https://www.hedgespecialty.com/commercial-auto.html"
        }
      ],
      "submission_requirements": [
        "Headcount + post types (standing, roving, mobile patrol)",
        "State guard-card licensing in good standing",
        "Use-of-force policy and annual training hours",
        "Assault & battery loss runs, 5 years",
        "Contract review for hold-harmless wording"
      ],
      "ideal_profile": [
        "Commercial property, retail, and office posts",
        "State-licensed guards, documented training program",
        "Written use-of-force policy, no prior A&B losses"
      ],
      "review_factors": [
        "Habitational/multifamily posts with prior incidents",
        "Hospital and behavioral-health security",
        "Construction-site overnight watch with no client COIs"
      ],
      "outside_profile": [
        "Executive protection and bodyguard work (see security-guard-event)",
        "Bar and nightclub bouncers (use bar-nightclub class)",
        "Repossession agents",
        "Off-duty police moonlighting"
      ],
      "state_overrides": [],
      "detail_url": "https://www.hedgespecialty.com/appetite/security-guard-unarmed",
      "submission_url": "https://www.hedgespecialty.com/submit?class=security-guard-unarmed"
    },
    {
      "slug": "security-guard-armed",
      "name": "Security guards. Armed",
      "aliases": [
        "armed guard",
        "armed security",
        "armed patrol",
        "armed officer",
        "concealed carry guard"
      ],
      "category": "P&C",
      "verdict": "yes",
      "verdict_label": "In current Hedge appetite",
      "summary": "Armed security officers, banks/retail/cash-in-transit posts. State-licensed, qualified annually. Assault & battery sub-limit available.",
      "naics": [],
      "target_coverage": [
        {
          "name": "General Liability",
          "target": "$1M / $2M",
          "resource_url": "https://www.hedgespecialty.com/general-liability.html"
        },
        {
          "name": "Assault & Battery sub-limit",
          "target": "$100K / $300K",
          "resource_url": "https://www.hedgespecialty.com/general-liability.html"
        },
        {
          "name": "Professional Liability (E&O)",
          "target": "$1M / $1M",
          "resource_url": "https://www.hedgespecialty.com/misc-eo.html"
        },
        {
          "name": "Commercial Auto",
          "target": "$1M CSL",
          "resource_url": "https://www.hedgespecialty.com/commercial-auto.html"
        }
      ],
      "submission_requirements": [
        "Armed headcount + state firearm permits",
        "Annual range qualification records",
        "Use-of-force policy and de-escalation training hours",
        "Assault, battery, and discharge loss runs, 5 years",
        "Posts list (banks, retail, healthcare, government)"
      ],
      "ideal_profile": [
        "Bank, ATM-servicing, and high-value retail posts",
        "State-licensed armed officers with annual qualification",
        "Documented de-escalation training and incident reporting"
      ],
      "review_factors": [
        "Cash-in-transit (CIT) without armored-car form",
        "Concealed-carry assignments in residential settings",
        "Posts in high-crime neighborhoods with prior discharge claims"
      ],
      "outside_profile": [
        "Executive/dignitary protection (separate market)",
        "Private military / overseas contracts",
        "Off-duty police moonlighting under the agency's name"
      ],
      "state_overrides": [],
      "detail_url": "https://www.hedgespecialty.com/appetite/security-guard-armed",
      "submission_url": "https://www.hedgespecialty.com/submit?class=security-guard-armed"
    },
    {
      "slug": "security-guard-k9",
      "name": "Security guards. K9 patrol",
      "aliases": [
        "K9 security",
        "K9 patrol",
        "dog patrol",
        "canine security",
        "bite-trained dog"
      ],
      "category": "P&C",
      "verdict": "yes",
      "verdict_label": "In current Hedge appetite",
      "summary": "K9 patrol with bite-trained or detection dogs. Yards, warehouses, construction sites, event perimeters.",
      "naics": [],
      "target_coverage": [
        {
          "name": "General Liability",
          "target": "$1M / $2M",
          "resource_url": "https://www.hedgespecialty.com/general-liability.html"
        },
        {
          "name": "Animal Liability",
          "target": "Included (no exclusion)",
          "resource_url": "https://www.hedgespecialty.com/general-liability.html"
        },
        {
          "name": "Professional Liability (E&O)",
          "target": "$1M / $1M",
          "resource_url": "https://www.hedgespecialty.com/misc-eo.html"
        },
        {
          "name": "Commercial Auto",
          "target": "$1M CSL",
          "resource_url": "https://www.hedgespecialty.com/commercial-auto.html"
        }
      ],
      "submission_requirements": [
        "Number of K9 teams and dog breeds",
        "Handler certifications and training program",
        "Dog medical and bite-history records",
        "Posts list and signage protocol",
        "Bite incident loss runs, 5 years"
      ],
      "ideal_profile": [
        "Detection or deterrent K9 in warehouses and yards",
        "Certified handler-dog teams, documented training cycles",
        "Posted signage and controlled-entry protocols"
      ],
      "review_factors": [
        "Bite-trained dogs at public-facing posts (retail, events)",
        "K9 teams cross-trained for apprehension work"
      ],
      "outside_profile": [
        "Attack-trained dogs in residential or schools",
        "K9 teams without veterinary or training records"
      ],
      "state_overrides": [],
      "detail_url": "https://www.hedgespecialty.com/appetite/security-guard-k9",
      "submission_url": "https://www.hedgespecialty.com/submit?class=security-guard-k9"
    },
    {
      "slug": "security-guard-event",
      "name": "Security guards. Event & crowd control",
      "aliases": [
        "event security",
        "crowd control",
        "concert security",
        "festival security",
        "venue security"
      ],
      "category": "P&C",
      "verdict": "yes",
      "verdict_label": "In current Hedge appetite",
      "summary": "Event security and crowd control. Concerts, festivals, sporting events, conferences. Door staff and perimeter.",
      "naics": [],
      "target_coverage": [
        {
          "name": "General Liability",
          "target": "$1M / $2M",
          "resource_url": "https://www.hedgespecialty.com/general-liability.html"
        },
        {
          "name": "Assault & Battery sub-limit",
          "target": "$100K / $300K",
          "resource_url": "https://www.hedgespecialty.com/general-liability.html"
        },
        {
          "name": "Special Event GL endorsement",
          "target": "Per event",
          "resource_url": "https://www.hedgespecialty.com/general-liability.html"
        },
        {
          "name": "Professional Liability (E&O)",
          "target": "$1M / $1M",
          "resource_url": "https://www.hedgespecialty.com/misc-eo.html"
        }
      ],
      "submission_requirements": [
        "Largest event capacity worked in last 12 months",
        "Event mix: concerts / festivals / sports / corporate",
        "Door staff training (TIPS, state equivalent)",
        "Coordination protocol with venue and local law enforcement",
        "Assault & battery loss runs, 5 years"
      ],
      "ideal_profile": [
        "Corporate events, conferences, sporting venues",
        "Trained door staff with documented ID-check protocols",
        "Pre-event run sheet and incident-report process"
      ],
      "review_factors": [
        "Music festivals over 5,000 attendees",
        "Bar/nightclub door staffing under contract",
        "Combat-sports and MMA events"
      ],
      "outside_profile": [
        "Stadium-anchor primary security without venue COI",
        "Unlicensed underground or pop-up event venues",
        "Executive/dignitary protection"
      ],
      "state_overrides": [],
      "detail_url": "https://www.hedgespecialty.com/appetite/security-guard-event",
      "submission_url": "https://www.hedgespecialty.com/submit?class=security-guard-event"
    },
    {
      "slug": "roofer",
      "name": "Roofing contractors",
      "aliases": [
        "roofer",
        "roofing",
        "roof repair",
        "roof replacement",
        "shingle"
      ],
      "category": "P&C",
      "verdict": "edge",
      "verdict_label": "Review case by case",
      "summary": "Residential roofing with subs verified. Commercial under 3 stories with referral.",
      "naics": [
        "238160"
      ],
      "target_coverage": [
        {
          "name": "General Liability",
          "target": "$1M / $2M",
          "resource_url": "https://www.hedgespecialty.com/general-liability.html"
        },
        {
          "name": "Commercial Auto",
          "target": "$1M CSL",
          "resource_url": "https://www.hedgespecialty.com/commercial-auto.html"
        },
        {
          "name": "Inland Marine",
          "target": "$50K",
          "resource_url": "https://www.hedgespecialty.com/inland-marine.html"
        }
      ],
      "submission_requirements": [
        "% residential vs. commercial",
        "% torch-down / hot tar work",
        "Subcontractor verification (COIs)",
        "Max height worked",
        "Fall protection plan"
      ],
      "ideal_profile": [
        "Residential asphalt shingle, ≤ 3 stories",
        "All subs with own GL + WC",
        "OSHA-compliant fall protection"
      ],
      "review_factors": [
        "Torch-down / hot work on flat roofs",
        "Commercial work over 3 stories",
        "Solar panel installation included"
      ],
      "outside_profile": [
        "Storm-chasers with no permanent address",
        "Day-labor model (no full-time crew)"
      ],
      "state_overrides": [
        {
          "state": "FL",
          "state_name": "Florida",
          "verdict": "edge",
          "verdict_label": "Review case by case",
          "note": "Wind/hail loss history reviewed. Storm-chasers declined.",
          "detail_url": "https://www.hedgespecialty.com/appetite/roofer-fl"
        },
        {
          "state": "TX",
          "state_name": "Texas",
          "verdict": "edge",
          "verdict_label": "Review case by case",
          "note": "Hail-belt history individually rated.",
          "detail_url": "https://www.hedgespecialty.com/appetite/roofer-tx"
        },
        {
          "state": "CO",
          "state_name": "Colorado",
          "verdict": "edge",
          "verdict_label": "Review case by case",
          "note": "Hail loss runs (5-year) required.",
          "detail_url": "https://www.hedgespecialty.com/appetite/roofer-co"
        }
      ],
      "detail_url": "https://www.hedgespecialty.com/appetite/roofer",
      "submission_url": "https://www.hedgespecialty.com/submit?class=roofer"
    },
    {
      "slug": "plumber",
      "name": "Plumbers",
      "aliases": [
        "plumber",
        "plumbing",
        "pipe",
        "drain cleaning"
      ],
      "category": "P&C",
      "verdict": "yes",
      "verdict_label": "In current Hedge appetite",
      "summary": "Licensed plumbers, residential and commercial. Backflow + new construction included.",
      "naics": [
        "238220"
      ],
      "target_coverage": [
        {
          "name": "General Liability",
          "target": "$1M / $2M",
          "resource_url": "https://www.hedgespecialty.com/general-liability.html"
        },
        {
          "name": "Commercial Auto",
          "target": "$1M CSL",
          "resource_url": "https://www.hedgespecialty.com/commercial-auto.html"
        },
        {
          "name": "Inland Marine (tools)",
          "target": "$25K",
          "resource_url": "https://www.hedgespecialty.com/inland-marine.html"
        }
      ],
      "submission_requirements": [
        "License copy",
        "% new construction vs. service",
        "Trenching depth max",
        "Number of trucks + drivers"
      ],
      "ideal_profile": [
        "Licensed master plumber on staff",
        "Service-call business 70%+",
        "No deep trenching (< 8 ft)"
      ],
      "review_factors": [
        "Heavy new-construction (> 50%)",
        "Trenching > 8 ft (excavation)",
        "Hydronics / heating systems"
      ],
      "outside_profile": [
        "Septic system installation as primary",
        "Industrial process piping"
      ],
      "state_overrides": [],
      "detail_url": "https://www.hedgespecialty.com/appetite/plumber",
      "submission_url": "https://www.hedgespecialty.com/submit?class=plumber"
    },
    {
      "slug": "electrician",
      "name": "Electricians",
      "aliases": [
        "electrician",
        "electric",
        "wiring",
        "electrical contractor"
      ],
      "category": "P&C",
      "verdict": "yes",
      "verdict_label": "In current Hedge appetite",
      "summary": "Licensed electricians. Residential, light commercial, and small industrial. Solar with referral.",
      "naics": [
        "238210"
      ],
      "target_coverage": [
        {
          "name": "General Liability",
          "target": "$1M / $2M",
          "resource_url": "https://www.hedgespecialty.com/general-liability.html"
        },
        {
          "name": "Commercial Auto",
          "target": "$1M CSL",
          "resource_url": "https://www.hedgespecialty.com/commercial-auto.html"
        },
        {
          "name": "Inland Marine (tools)",
          "target": "$25K",
          "resource_url": "https://www.hedgespecialty.com/inland-marine.html"
        }
      ],
      "submission_requirements": [
        "License copy",
        "% residential / commercial / industrial",
        "Voltage cap (low / med / high)",
        "Number of journeymen + apprentices"
      ],
      "ideal_profile": [
        "Service work + small commercial",
        "Low-voltage wiring + outlets",
        "No high-voltage utility work"
      ],
      "review_factors": [
        "Solar panel installation",
        "Generator / standby power",
        "High-voltage (> 600V) industrial work"
      ],
      "outside_profile": [
        "Utility line work (separate market)",
        "Substation / transformer work"
      ],
      "state_overrides": [],
      "detail_url": "https://www.hedgespecialty.com/appetite/electrician",
      "submission_url": "https://www.hedgespecialty.com/submit?class=electrician"
    },
    {
      "slug": "hvac",
      "name": "HVAC contractors",
      "aliases": [
        "HVAC",
        "heating",
        "cooling",
        "AC",
        "air conditioning",
        "refrigeration"
      ],
      "category": "P&C",
      "verdict": "yes",
      "verdict_label": "In current Hedge appetite",
      "summary": "Residential and light commercial HVAC. Refrigeration commercial reviewed individually.",
      "naics": [
        "238220"
      ],
      "target_coverage": [
        {
          "name": "General Liability",
          "target": "$1M / $2M",
          "resource_url": "https://www.hedgespecialty.com/general-liability.html"
        },
        {
          "name": "Commercial Auto",
          "target": "$1M CSL",
          "resource_url": "https://www.hedgespecialty.com/commercial-auto.html"
        },
        {
          "name": "Inland Marine",
          "target": "$25K",
          "resource_url": "https://www.hedgespecialty.com/inland-marine.html"
        }
      ],
      "submission_requirements": [
        "License + EPA refrigerant cert",
        "% residential / commercial",
        "Refrigeration commercial?",
        "Number of trucks + technicians"
      ],
      "ideal_profile": [
        "Residential split + ducted",
        "Small commercial rooftop units",
        "Maintenance contracts 30%+ of revenue"
      ],
      "review_factors": [
        "Commercial refrigeration (grocery, ice)",
        "Geothermal / ground-source",
        "Industrial process cooling"
      ],
      "outside_profile": [
        "Refrigeration in cold-storage > 50,000 sq ft (referral)",
        "Ammonia refrigeration systems"
      ],
      "state_overrides": [],
      "detail_url": "https://www.hedgespecialty.com/appetite/hvac",
      "submission_url": "https://www.hedgespecialty.com/submit?class=hvac"
    },
    {
      "slug": "general-contractor",
      "name": "General contractors",
      "aliases": [
        "GC",
        "general contractor",
        "builder",
        "construction company"
      ],
      "category": "P&C",
      "verdict": "edge",
      "verdict_label": "Review case by case",
      "summary": "Residential and light commercial GCs. Sub-out percentage is the lever.",
      "naics": [
        "236115",
        "236116",
        "236118",
        "236220"
      ],
      "target_coverage": [
        {
          "name": "General Liability",
          "target": "$1M / $2M",
          "resource_url": "https://www.hedgespecialty.com/general-liability.html"
        },
        {
          "name": "Commercial Auto",
          "target": "$1M CSL",
          "resource_url": "https://www.hedgespecialty.com/commercial-auto.html"
        },
        {
          "name": "Builder's Risk",
          "target": "Per project",
          "resource_url": "https://www.hedgespecialty.com/commercial-property.html"
        },
        {
          "name": "Pollution (subs)",
          "target": "$1M",
          "resource_url": "https://www.hedgespecialty.com/environmental.html"
        }
      ],
      "submission_requirements": [
        "% subcontracted vs. self-performed",
        "Largest project completed value",
        "Subcontractor COI verification process",
        "Hold-harmless agreement template",
        "Residential vs. commercial mix"
      ],
      "ideal_profile": [
        "GC subbing 80%+ of work",
        "All subs with $1M GL + WC",
        "Projects under $10M completed value"
      ],
      "review_factors": [
        "Self-performing > 30% of trade work",
        "Condo / townhouse new construction",
        "Mid-rise wood frame"
      ],
      "outside_profile": [
        "Bridge / tunnel / heavy civil",
        "Demolition as primary",
        "GC with no signed subcontracts"
      ],
      "state_overrides": [
        {
          "state": "NY",
          "state_name": "New York",
          "verdict": "edge",
          "verdict_label": "Review case by case",
          "note": "Labor Law 240/241 exposure individually rated for NYC work.",
          "detail_url": "https://www.hedgespecialty.com/appetite/general-contractor-ny"
        },
        {
          "state": "NJ",
          "state_name": "New Jersey",
          "verdict": "edge",
          "verdict_label": "Review case by case",
          "note": "Labor Law 240/241 exposure individually rated.",
          "detail_url": "https://www.hedgespecialty.com/appetite/general-contractor-nj"
        }
      ],
      "detail_url": "https://www.hedgespecialty.com/appetite/general-contractor",
      "submission_url": "https://www.hedgespecialty.com/submit?class=general-contractor"
    },
    {
      "slug": "janitorial",
      "name": "Janitorial & cleaning services",
      "aliases": [
        "janitorial",
        "cleaning",
        "commercial cleaning",
        "office cleaning",
        "maids",
        "housekeeping"
      ],
      "category": "P&C",
      "verdict": "yes",
      "verdict_label": "In current Hedge appetite",
      "summary": "Commercial and residential cleaning. Bonding included.",
      "naics": [
        "561720"
      ],
      "target_coverage": [
        {
          "name": "General Liability",
          "target": "$1M / $2M",
          "resource_url": "https://www.hedgespecialty.com/general-liability.html"
        },
        {
          "name": "Janitorial Bond",
          "target": "$10K-$100K",
          "resource_url": "https://www.hedgespecialty.com/management-liability.html"
        },
        {
          "name": "Commercial Auto",
          "target": "$1M CSL (hired/non-owned)",
          "resource_url": "https://www.hedgespecialty.com/commercial-auto.html"
        }
      ],
      "submission_requirements": [
        "% residential / commercial / medical",
        "Background checks on employees?",
        "Key access protocols",
        "Pressure washing / window cleaning height"
      ],
      "ideal_profile": [
        "Commercial offices, < 3 stories",
        "W-2 employees (not 1099)",
        "Background-checked staff with keys"
      ],
      "review_factors": [
        "Medical / hospital cleaning",
        "Construction clean-up",
        "Window cleaning > 3 stories"
      ],
      "outside_profile": [
        "Asbestos / lead abatement",
        "Crime / hazmat cleanup"
      ],
      "state_overrides": [],
      "detail_url": "https://www.hedgespecialty.com/appetite/janitorial",
      "submission_url": "https://www.hedgespecialty.com/submit?class=janitorial"
    },
    {
      "slug": "pest-control",
      "name": "Pest control",
      "aliases": [
        "pest control",
        "exterminator",
        "termite",
        "rodent control"
      ],
      "category": "P&C",
      "verdict": "yes",
      "verdict_label": "In current Hedge appetite",
      "summary": "General pest, termite, and rodent control. Fumigation reviewed individually.",
      "naics": [
        "561710"
      ],
      "target_coverage": [
        {
          "name": "General Liability",
          "target": "$1M / $2M",
          "resource_url": "https://www.hedgespecialty.com/general-liability.html"
        },
        {
          "name": "Pollution",
          "target": "$1M / $2M",
          "resource_url": "https://www.hedgespecialty.com/environmental.html"
        },
        {
          "name": "Commercial Auto",
          "target": "$1M CSL",
          "resource_url": "https://www.hedgespecialty.com/commercial-auto.html"
        }
      ],
      "submission_requirements": [
        "State applicator license",
        "Fumigation services? (yes/no)",
        "Termite warranty obligations",
        "Wood-destroying insect inspection volume"
      ],
      "ideal_profile": [
        "Quarterly maintenance service",
        "Licensed applicators only",
        "No fumigation"
      ],
      "review_factors": [
        "Whole-structure fumigation",
        "Bed bug heat treatment",
        "Wildlife removal (bats, raccoons)"
      ],
      "outside_profile": [
        "Aerial pesticide spraying",
        "Mosquito abatement for municipalities"
      ],
      "state_overrides": [
        {
          "state": "FL",
          "state_name": "Florida",
          "verdict": "edge",
          "verdict_label": "Review case by case",
          "note": "Termite warranty obligations individually rated.",
          "detail_url": "https://www.hedgespecialty.com/appetite/pest-control-fl"
        }
      ],
      "detail_url": "https://www.hedgespecialty.com/appetite/pest-control",
      "submission_url": "https://www.hedgespecialty.com/submit?class=pest-control"
    },
    {
      "slug": "trucking-small-fleet",
      "name": "Trucking. small fleet (1-10 power units)",
      "aliases": [
        "trucking",
        "small fleet",
        "owner operator",
        "box truck",
        "local trucking"
      ],
      "category": "P&C",
      "verdict": "yes",
      "verdict_label": "In current Hedge appetite",
      "summary": "Local & regional trucking, 1-10 power units. Auto liability, cargo, and physical damage.",
      "naics": [
        "484110",
        "484121",
        "484122"
      ],
      "target_coverage": [
        {
          "name": "Commercial Auto Liability",
          "target": "$1M CSL",
          "resource_url": "https://www.hedgespecialty.com/commercial-auto.html"
        },
        {
          "name": "Motor Truck Cargo",
          "target": "$100K",
          "resource_url": "https://www.hedgespecialty.com/inland-marine.html"
        },
        {
          "name": "Physical Damage",
          "target": "Stated value",
          "resource_url": "https://www.hedgespecialty.com/commercial-auto.html"
        },
        {
          "name": "General Liability",
          "target": "$1M / $2M",
          "resource_url": "https://www.hedgespecialty.com/general-liability.html"
        }
      ],
      "submission_requirements": [
        "MC number + USDOT",
        "Driver MVRs (last 3 years)",
        "Radius of operation",
        "Commodity hauled",
        "5-year loss runs"
      ],
      "ideal_profile": [
        "Local/intermediate radius (≤ 500 mi)",
        "Dry van / refrigerated",
        "CDL drivers, 3+ years experience"
      ],
      "review_factors": [
        "Long-haul (> 500 mi radius)",
        "New ventures (< 1 year MC)",
        "High-value cargo (electronics, pharma)"
      ],
      "outside_profile": [
        "Hazmat placardable loads",
        "Tankers (chemical)",
        "Auto haulers without specialty form"
      ],
      "state_overrides": [],
      "detail_url": "https://www.hedgespecialty.com/appetite/trucking-small-fleet",
      "submission_url": "https://www.hedgespecialty.com/submit?class=trucking-small-fleet"
    },
    {
      "slug": "delivery-courier",
      "name": "Delivery & courier",
      "aliases": [
        "delivery",
        "courier",
        "last mile",
        "sprinter van",
        "cargo van",
        "Amazon DSP"
      ],
      "category": "P&C",
      "verdict": "edge",
      "verdict_label": "Review case by case",
      "summary": "Last-mile delivery, cargo vans, sprinter fleets. DSP-type operations referred case by case.",
      "naics": [
        "492110",
        "492210"
      ],
      "target_coverage": [
        {
          "name": "Commercial Auto",
          "target": "$1M CSL",
          "resource_url": "https://www.hedgespecialty.com/commercial-auto.html"
        },
        {
          "name": "Hired & Non-Owned Auto",
          "target": "$1M",
          "resource_url": "https://www.hedgespecialty.com/commercial-auto.html"
        },
        {
          "name": "Cargo",
          "target": "$25K",
          "resource_url": "https://www.hedgespecialty.com/inland-marine.html"
        },
        {
          "name": "General Liability",
          "target": "$1M / $2M",
          "resource_url": "https://www.hedgespecialty.com/general-liability.html"
        }
      ],
      "submission_requirements": [
        "Fleet size + vehicle types",
        "Contracts with Amazon/FedEx etc.",
        "Driver MVRs + 1099 vs. W-2",
        "Service area + hours"
      ],
      "ideal_profile": [
        "W-2 drivers with local routes",
        "Contracted base, < 25 vans",
        "Daytime operations"
      ],
      "review_factors": [
        "Amazon DSP (referral)",
        "1099 gig drivers (Uber/Doordash). separate program",
        "Long-haul courier with team drivers"
      ],
      "outside_profile": [
        "Refrigerated long-haul without temp-controlled forms",
        "Cash-in-transit / armored services"
      ],
      "state_overrides": [],
      "detail_url": "https://www.hedgespecialty.com/appetite/delivery-courier",
      "submission_url": "https://www.hedgespecialty.com/submit?class=delivery-courier"
    },
    {
      "slug": "tech-saas",
      "name": "Tech & SaaS companies",
      "aliases": [
        "tech",
        "saas",
        "software",
        "startup",
        "technology",
        "app",
        "platform"
      ],
      "category": "Professional",
      "verdict": "yes",
      "verdict_label": "In current Hedge appetite",
      "summary": "Tech & SaaS up to $100M revenue. Cyber + Tech E&O on one combined form.",
      "naics": [
        "541511",
        "541512",
        "511210"
      ],
      "target_coverage": [
        {
          "name": "Cyber & Tech E&O",
          "target": "$5M / $5M combined",
          "resource_url": "https://www.hedgespecialty.com/cyber-tech-eo.html"
        },
        {
          "name": "General Liability",
          "target": "$1M / $2M",
          "resource_url": "https://www.hedgespecialty.com/general-liability.html"
        },
        {
          "name": "D&O (private)",
          "target": "$5M",
          "resource_url": "https://www.hedgespecialty.com/management-liability.html"
        },
        {
          "name": "EPL",
          "target": "$3M",
          "resource_url": "https://www.hedgespecialty.com/employment-practices.html"
        }
      ],
      "submission_requirements": [
        "Revenue (last 12 months)",
        "Customer count + largest 5 contracts",
        "Data processed (PII, PHI, PCI)",
        "SOC 2 / ISO 27001 status",
        "Subprocessors + cloud providers"
      ],
      "ideal_profile": [
        "B2B SaaS, $1M-$50M revenue",
        "SOC 2 Type II in place",
        "MFA + endpoint detection"
      ],
      "review_factors": [
        "Crypto / blockchain (referral)",
        "Generative AI products",
        "Pre-revenue with raised funding"
      ],
      "outside_profile": [
        "Adult content platforms",
        "Online gambling / lottery"
      ],
      "state_overrides": [
        {
          "state": "CA",
          "state_name": "California",
          "verdict": "yes",
          "verdict_label": "In current Hedge appetite",
          "note": "CCPA/CPRA exposure auto-included.",
          "detail_url": "https://www.hedgespecialty.com/appetite/tech-saas-ca"
        }
      ],
      "detail_url": "https://www.hedgespecialty.com/appetite/tech-saas",
      "submission_url": "https://www.hedgespecialty.com/submit?class=tech-saas"
    },
    {
      "slug": "cyber-only",
      "name": "Cyber for any commercial",
      "aliases": [
        "cyber",
        "data breach",
        "ransomware",
        "cyber insurance"
      ],
      "category": "Professional",
      "verdict": "yes",
      "verdict_label": "In current Hedge appetite",
      "summary": "Monoline cyber for any commercial risk. Quick quotes for revenue under $100M.",
      "naics": [
        "541512",
        "541519"
      ],
      "target_coverage": [
        {
          "name": "Cyber Liability",
          "target": "$5M / $5M",
          "resource_url": "https://www.hedgespecialty.com/cyber-tech-eo.html"
        },
        {
          "name": "Crime",
          "target": "$1M (social engineering)",
          "resource_url": "https://www.hedgespecialty.com/management-liability.html"
        }
      ],
      "submission_requirements": [
        "Annual revenue",
        "Records count (PII / PHI / PCI)",
        "MFA on email + remote access?",
        "Endpoint protection (EDR)?",
        "Backups: frequency + offline copy?"
      ],
      "ideal_profile": [
        "Revenue < $50M, MFA + EDR",
        "Backup-tested in last 6 months",
        "Email filtering with phishing rules"
      ],
      "review_factors": [
        "Healthcare / law firm > $25M revenue",
        "No MFA on email (mandatory remediation)",
        "Prior breach in last 3 years"
      ],
      "outside_profile": [
        "Active ransomware incident",
        "Active forensic investigation",
        "Adult content"
      ],
      "state_overrides": [
        {
          "state": "CA",
          "state_name": "California",
          "verdict": "yes",
          "verdict_label": "In current Hedge appetite",
          "note": "CCPA/CPRA exposure auto-included.",
          "detail_url": "https://www.hedgespecialty.com/appetite/cyber-only-ca"
        }
      ],
      "detail_url": "https://www.hedgespecialty.com/appetite/cyber-only",
      "submission_url": "https://www.hedgespecialty.com/submit?class=cyber-only"
    },
    {
      "slug": "msp",
      "name": "IT services & MSPs",
      "aliases": [
        "MSP",
        "IT services",
        "managed services",
        "IT consulting",
        "network admin"
      ],
      "category": "Professional",
      "verdict": "yes",
      "verdict_label": "In current Hedge appetite",
      "summary": "IT consultancies and managed service providers. Tech E&O + Cyber on one combined form.",
      "naics": [
        "541512",
        "541513"
      ],
      "target_coverage": [
        {
          "name": "Cyber & Tech E&O",
          "target": "$3M / $3M combined",
          "resource_url": "https://www.hedgespecialty.com/cyber-tech-eo.html"
        },
        {
          "name": "General Liability",
          "target": "$1M / $2M",
          "resource_url": "https://www.hedgespecialty.com/general-liability.html"
        }
      ],
      "submission_requirements": [
        "Client count + revenue per client",
        "Contracts: are limitations of liability in place?",
        "Vendors and tools used (PSA / RMM)",
        "Backup tested?"
      ],
      "ideal_profile": [
        "Stable client roster, 3+ years",
        "Tested DR plan",
        "Master Service Agreement with LoL"
      ],
      "review_factors": [
        "Healthcare-only MSPs (PHI exposure)",
        "Crypto exchange clients"
      ],
      "outside_profile": [
        "MSP-as-sole-source for hospitals",
        "Dark web monitoring services"
      ],
      "state_overrides": [],
      "detail_url": "https://www.hedgespecialty.com/appetite/msp",
      "submission_url": "https://www.hedgespecialty.com/submit?class=msp"
    },
    {
      "slug": "consultants-misc-eo",
      "name": "Consultants & advisors",
      "aliases": [
        "consultant",
        "advisor",
        "consulting",
        "management consulting",
        "marketing",
        "strategy"
      ],
      "category": "Professional",
      "verdict": "yes",
      "verdict_label": "In current Hedge appetite",
      "summary": "Management, marketing, HR, strategy consultants. Misc E&O up to $5M.",
      "naics": [
        "541611",
        "541613",
        "541618"
      ],
      "target_coverage": [
        {
          "name": "Miscellaneous E&O",
          "target": "$5M / $5M",
          "resource_url": "https://www.hedgespecialty.com/misc-eo.html"
        },
        {
          "name": "General Liability",
          "target": "$1M / $2M",
          "resource_url": "https://www.hedgespecialty.com/general-liability.html"
        }
      ],
      "submission_requirements": [
        "Service description (in plain words)",
        "Average engagement fee",
        "Top 3 client industries",
        "Contracts: limitation of liability clauses?"
      ],
      "ideal_profile": [
        "Management/marketing/HR consulting",
        "Engagements with signed SOWs and LoL clauses",
        "5+ years in business"
      ],
      "review_factors": [
        "Financial / wealth advisors (separate RIA form)",
        "Lobbying / political consulting",
        "Crypto investment advice"
      ],
      "outside_profile": [
        "Securities trading recommendations",
        "Tax preparation (use accountants form)",
        "Legal advice without license"
      ],
      "state_overrides": [],
      "detail_url": "https://www.hedgespecialty.com/appetite/consultants-misc-eo",
      "submission_url": "https://www.hedgespecialty.com/submit?class=consultants-misc-eo"
    },
    {
      "slug": "real-estate-agent",
      "name": "Real estate agents & brokers",
      "aliases": [
        "realtor",
        "real estate",
        "real estate agent",
        "real estate broker",
        "REALTOR"
      ],
      "category": "Professional",
      "verdict": "yes",
      "verdict_label": "In current Hedge appetite",
      "summary": "Real estate E&O for agents, brokerages, and property managers.",
      "naics": [
        "531210",
        "531312"
      ],
      "target_coverage": [
        {
          "name": "Real Estate E&O",
          "target": "$2M / $2M",
          "resource_url": "https://www.hedgespecialty.com/misc-eo.html"
        },
        {
          "name": "General Liability",
          "target": "$1M / $2M",
          "resource_url": "https://www.hedgespecialty.com/general-liability.html"
        }
      ],
      "submission_requirements": [
        "License + state(s)",
        "% residential / commercial / property mgmt",
        "Agent count + 1099 vs. W-2",
        "Average sale price"
      ],
      "ideal_profile": [
        "Residential brokerages, 1-50 agents",
        "Standard listing + buyer rep",
        "No appraisal / inspection services"
      ],
      "review_factors": [
        "Property management as primary",
        "Commercial brokerage > $100M annual volume",
        "Owner-financing as standard practice"
      ],
      "outside_profile": [
        "Real estate investment funds (separate)",
        "Title agents (separate market)"
      ],
      "state_overrides": [
        {
          "state": "FL",
          "state_name": "Florida",
          "verdict": "edge",
          "verdict_label": "Review case by case",
          "note": "Hurricane disclosure compliance for property managers.",
          "detail_url": "https://www.hedgespecialty.com/appetite/real-estate-agent-fl"
        }
      ],
      "detail_url": "https://www.hedgespecialty.com/appetite/real-estate-agent",
      "submission_url": "https://www.hedgespecialty.com/submit?class=real-estate-agent"
    },
    {
      "slug": "architect-engineer",
      "name": "Architects & engineers",
      "aliases": [
        "architect",
        "engineer",
        "AE",
        "design firm",
        "structural engineer",
        "civil engineer"
      ],
      "category": "Professional",
      "verdict": "edge",
      "verdict_label": "Review case by case",
      "summary": "Design professionals, including residential architects and small AE firms. Structural reviewed individually.",
      "naics": [
        "541310",
        "541330"
      ],
      "target_coverage": [
        {
          "name": "Architects & Engineers E&O",
          "target": "$5M / $5M",
          "resource_url": "https://www.hedgespecialty.com/misc-eo.html"
        },
        {
          "name": "General Liability",
          "target": "$1M / $2M",
          "resource_url": "https://www.hedgespecialty.com/general-liability.html"
        }
      ],
      "submission_requirements": [
        "Discipline (architecture, civil, structural, MEP)",
        "Largest project last 5 years",
        "Annual revenue",
        "Loss history (claims-made for E&O)"
      ],
      "ideal_profile": [
        "Residential + small commercial architects",
        "Civil engineering (sitework, surveying)",
        "Firms 5-25 employees"
      ],
      "review_factors": [
        "Structural engineering for hospitals / bridges",
        "Geotechnical investigation as primary",
        "Mid-rise condo design (> 5 stories)"
      ],
      "outside_profile": [
        "High-rise residential design",
        "Bridge / tunnel structural lead",
        "Stadium / arena design"
      ],
      "state_overrides": [
        {
          "state": "CA",
          "state_name": "California",
          "verdict": "edge",
          "verdict_label": "Review case by case",
          "note": "Title-24 exposure individually rated for engineers.",
          "detail_url": "https://www.hedgespecialty.com/appetite/architect-engineer-ca"
        }
      ],
      "detail_url": "https://www.hedgespecialty.com/appetite/architect-engineer",
      "submission_url": "https://www.hedgespecialty.com/submit?class=architect-engineer"
    },
    {
      "slug": "lawyer",
      "name": "Lawyers",
      "aliases": [
        "lawyer",
        "attorney",
        "law firm",
        "legal",
        "solo practitioner"
      ],
      "category": "Professional",
      "verdict": "yes",
      "verdict_label": "In current Hedge appetite",
      "summary": "Lawyers Professional Liability for solo practitioners and firms ≤ 50 attorneys.",
      "naics": [
        "541110"
      ],
      "target_coverage": [
        {
          "name": "Lawyers Professional Liability",
          "target": "$5M / $5M",
          "resource_url": "https://www.hedgespecialty.com/misc-eo.html"
        },
        {
          "name": "Cyber & Tech E&O",
          "target": "$3M / $3M",
          "resource_url": "https://www.hedgespecialty.com/cyber-tech-eo.html"
        },
        {
          "name": "EPL",
          "target": "$1M",
          "resource_url": "https://www.hedgespecialty.com/employment-practices.html"
        }
      ],
      "submission_requirements": [
        "Practice areas + % of revenue",
        "Attorney count + years admitted",
        "Largest fee in last year",
        "Trust account audit history"
      ],
      "ideal_profile": [
        "Estate planning, business, real estate",
        "Solo to mid-size (< 25 attorneys)",
        "No class action work"
      ],
      "review_factors": [
        "PI plaintiff > 30% of revenue",
        "Securities / patent litigation",
        "Mass tort / class action"
      ],
      "outside_profile": [
        "Disbarred attorneys",
        "Active suspension by state bar"
      ],
      "state_overrides": [],
      "detail_url": "https://www.hedgespecialty.com/appetite/lawyer",
      "submission_url": "https://www.hedgespecialty.com/submit?class=lawyer"
    },
    {
      "slug": "accountant",
      "name": "Accountants & CPAs",
      "aliases": [
        "accountant",
        "CPA",
        "bookkeeper",
        "tax preparer",
        "accounting firm"
      ],
      "category": "Professional",
      "verdict": "yes",
      "verdict_label": "In current Hedge appetite",
      "summary": "Accountants, CPAs, bookkeepers, and tax prep. Audit work reviewed individually.",
      "naics": [
        "541211",
        "541213"
      ],
      "target_coverage": [
        {
          "name": "Accountants Professional Liability",
          "target": "$3M / $3M",
          "resource_url": "https://www.hedgespecialty.com/misc-eo.html"
        },
        {
          "name": "Cyber & Tech E&O",
          "target": "$2M / $2M",
          "resource_url": "https://www.hedgespecialty.com/cyber-tech-eo.html"
        },
        {
          "name": "EPL",
          "target": "$1M",
          "resource_url": "https://www.hedgespecialty.com/employment-practices.html"
        }
      ],
      "submission_requirements": [
        "Practice mix: tax / audit / bookkeeping / advisory",
        "Largest audit engagement (if any)",
        "Firm size",
        "% individual vs. business clients"
      ],
      "ideal_profile": [
        "Tax prep + bookkeeping focus",
        "Small business clients < $50M revenue",
        "No SEC reporting clients"
      ],
      "review_factors": [
        "Audit work for publicly traded clients",
        "Forensic accounting / litigation support",
        "Crypto / token tax work"
      ],
      "outside_profile": [
        "Auditor of broker-dealer / RIA",
        "Bank holding company audits"
      ],
      "state_overrides": [],
      "detail_url": "https://www.hedgespecialty.com/appetite/accountant",
      "submission_url": "https://www.hedgespecialty.com/submit?class=accountant"
    },
    {
      "slug": "insurance-agent",
      "name": "Insurance agents & brokers",
      "aliases": [
        "insurance agent",
        "insurance broker",
        "P&C agent",
        "life agent",
        "insurance E&O"
      ],
      "category": "Professional",
      "verdict": "yes",
      "verdict_label": "In current Hedge appetite",
      "summary": "Insurance agencies, retail and wholesale. P&C, L&H, or both.",
      "naics": [
        "524210"
      ],
      "target_coverage": [
        {
          "name": "Insurance Agents E&O",
          "target": "$5M / $5M",
          "resource_url": "https://www.hedgespecialty.com/misc-eo.html"
        },
        {
          "name": "Cyber & Tech E&O",
          "target": "$2M / $2M",
          "resource_url": "https://www.hedgespecialty.com/cyber-tech-eo.html"
        },
        {
          "name": "Crime",
          "target": "$1M (premium theft)",
          "resource_url": "https://www.hedgespecialty.com/management-liability.html"
        }
      ],
      "submission_requirements": [
        "Retail / wholesale / MGA mix",
        "Carriers represented (count)",
        "% commercial vs. personal lines",
        "Revenue"
      ],
      "ideal_profile": [
        "Retail P&C agencies, < $20M revenue",
        "Established carrier appointments",
        "Standard product mix"
      ],
      "review_factors": [
        "Wholesale brokerage > $50M revenue",
        "MGA programs with binding authority",
        "Crop insurance specialty"
      ],
      "outside_profile": [
        "Suspended licenses",
        "Active state department investigation"
      ],
      "state_overrides": [],
      "detail_url": "https://www.hedgespecialty.com/appetite/insurance-agent",
      "submission_url": "https://www.hedgespecialty.com/submit?class=insurance-agent"
    },
    {
      "slug": "small-clinic",
      "name": "Small medical clinics",
      "aliases": [
        "clinic",
        "medical practice",
        "doctor office",
        "urgent care",
        "family medicine"
      ],
      "category": "Professional",
      "verdict": "edge",
      "verdict_label": "Review case by case",
      "summary": "Primary care, family medicine, internal medicine. Surgical referred separately.",
      "naics": [
        "621111",
        "621112"
      ],
      "target_coverage": [
        {
          "name": "Medical Malpractice",
          "target": "$1M / $3M",
          "resource_url": "https://www.hedgespecialty.com/medical-malpractice.html"
        },
        {
          "name": "General Liability",
          "target": "$1M / $2M",
          "resource_url": "https://www.hedgespecialty.com/general-liability.html"
        },
        {
          "name": "Cyber & Tech E&O",
          "target": "$2M / $2M",
          "resource_url": "https://www.hedgespecialty.com/cyber-tech-eo.html"
        },
        {
          "name": "EPL",
          "target": "$1M",
          "resource_url": "https://www.hedgespecialty.com/employment-practices.html"
        }
      ],
      "submission_requirements": [
        "Specialty + procedures performed",
        "Provider count (MD, NP, PA, RN)",
        "Patient volume",
        "5-year claims history"
      ],
      "ideal_profile": [
        "Primary care, family medicine",
        "Procedure-light practices",
        "1-10 providers"
      ],
      "review_factors": [
        "Urgent care with imaging",
        "Pain management / opioid Rx",
        "Cosmetic procedures (Botox, fillers)"
      ],
      "outside_profile": [
        "OB/GYN deliveries (separate market)",
        "Plastic surgery / liposuction",
        "Bariatric surgery"
      ],
      "state_overrides": [
        {
          "state": "CA",
          "state_name": "California",
          "verdict": "edge",
          "verdict_label": "Review case by case",
          "note": "MICRA cap considerations.",
          "detail_url": "https://www.hedgespecialty.com/appetite/small-clinic-ca"
        },
        {
          "state": "NY",
          "state_name": "New York",
          "verdict": "edge",
          "verdict_label": "Review case by case",
          "note": "Long statute of limitations.",
          "detail_url": "https://www.hedgespecialty.com/appetite/small-clinic-ny"
        },
        {
          "state": "FL",
          "state_name": "Florida",
          "verdict": "edge",
          "verdict_label": "Review case by case",
          "note": "No MICRA cap.",
          "detail_url": "https://www.hedgespecialty.com/appetite/small-clinic-fl"
        }
      ],
      "detail_url": "https://www.hedgespecialty.com/appetite/small-clinic",
      "submission_url": "https://www.hedgespecialty.com/submit?class=small-clinic"
    },
    {
      "slug": "allied-health",
      "name": "Allied health. PT, OT, chiropractic",
      "aliases": [
        "physical therapy",
        "PT",
        "OT",
        "occupational therapy",
        "chiropractor",
        "chiropractic"
      ],
      "category": "Professional",
      "verdict": "yes",
      "verdict_label": "In current Hedge appetite",
      "summary": "Physical therapy, occupational therapy, chiropractic. Solo to multi-provider.",
      "naics": [
        "621340",
        "621399"
      ],
      "target_coverage": [
        {
          "name": "Medical Malpractice",
          "target": "$1M / $3M",
          "resource_url": "https://www.hedgespecialty.com/medical-malpractice.html"
        },
        {
          "name": "General Liability",
          "target": "$1M / $2M",
          "resource_url": "https://www.hedgespecialty.com/general-liability.html"
        }
      ],
      "submission_requirements": [
        "Discipline + state license",
        "Provider count",
        "Modalities used (manipulation, electrotherapy, etc.)",
        "5-year claims history"
      ],
      "ideal_profile": [
        "Outpatient PT/OT/chiro",
        "Provider-owned, < 10 providers",
        "Standard manual therapy"
      ],
      "review_factors": [
        "High-velocity / upper cervical chiropractic",
        "PT inside a hospital network",
        "Aquatic therapy"
      ],
      "outside_profile": [
        "Cervical-only practices with prior claims",
        "Unlicensed massage practices"
      ],
      "state_overrides": [],
      "detail_url": "https://www.hedgespecialty.com/appetite/allied-health",
      "submission_url": "https://www.hedgespecialty.com/submit?class=allied-health"
    },
    {
      "slug": "private-company-do",
      "name": "Private company D&O",
      "aliases": [
        "D&O",
        "directors and officers",
        "private D&O"
      ],
      "category": "Management",
      "verdict": "yes",
      "verdict_label": "In current Hedge appetite",
      "summary": "Private company D&O with EPL and Fiduciary tied in. PE-backed and venture-funded welcome.",
      "naics": [],
      "target_coverage": [
        {
          "name": "D&O",
          "target": "$5M / $5M",
          "resource_url": "https://www.hedgespecialty.com/management-liability.html"
        },
        {
          "name": "EPL",
          "target": "$3M",
          "resource_url": "https://www.hedgespecialty.com/employment-practices.html"
        },
        {
          "name": "Fiduciary",
          "target": "$1M",
          "resource_url": "https://www.hedgespecialty.com/management-liability.html"
        },
        {
          "name": "Crime",
          "target": "$1M",
          "resource_url": "https://www.hedgespecialty.com/management-liability.html"
        }
      ],
      "submission_requirements": [
        "Revenue + 3-year trend",
        "Employee count",
        "Funding stage (bootstrapped, seed, series, PE-backed)",
        "M&A in last 24 months",
        "Pending litigation"
      ],
      "ideal_profile": [
        "Established private companies, 50-500 employees",
        "Profitable or well-funded",
        "Clean litigation history"
      ],
      "review_factors": [
        "Pre-revenue with significant funding",
        "Recent layoffs / restructuring",
        "PE-portfolio with bolt-on M&A"
      ],
      "outside_profile": [
        "Active SEC / DOJ investigations",
        "Bankruptcy in last 3 years",
        "Hostile takeover targets"
      ],
      "state_overrides": [],
      "detail_url": "https://www.hedgespecialty.com/appetite/private-company-do",
      "submission_url": "https://www.hedgespecialty.com/submit?class=private-company-do"
    },
    {
      "slug": "epli-only",
      "name": "Employment Practices Liability",
      "aliases": [
        "EPL",
        "EPLI",
        "employment practices",
        "wrongful termination",
        "harassment"
      ],
      "category": "Management",
      "verdict": "yes",
      "verdict_label": "In current Hedge appetite",
      "summary": "EPL for any commercial risk, including third-party (customer harassment).",
      "naics": [],
      "target_coverage": [
        {
          "name": "EPL",
          "target": "$3M / $3M",
          "resource_url": "https://www.hedgespecialty.com/employment-practices.html"
        }
      ],
      "submission_requirements": [
        "Employee count + state breakdown",
        "HR function: in-house or outsourced?",
        "5-year claims history",
        "Recent layoffs / RIFs"
      ],
      "ideal_profile": [
        "50-500 employees, in-house HR",
        "Standard handbook + training",
        "Clean claims history"
      ],
      "review_factors": [
        "California-heavy workforce",
        "Recent layoffs in last 18 months",
        "Industries with high turnover (restaurants, retail)"
      ],
      "outside_profile": [
        "Active EEOC investigation",
        "Pending class-action (wage/hour, harassment)"
      ],
      "state_overrides": [
        {
          "state": "CA",
          "state_name": "California",
          "verdict": "edge",
          "verdict_label": "Review case by case",
          "note": "PAGA exclusion may apply. California exposure individually rated.",
          "detail_url": "https://www.hedgespecialty.com/appetite/epli-only-ca"
        }
      ],
      "detail_url": "https://www.hedgespecialty.com/appetite/epli-only",
      "submission_url": "https://www.hedgespecialty.com/submit?class=epli-only"
    },
    {
      "slug": "manufacturer-light",
      "name": "Light manufacturers",
      "aliases": [
        "manufacturer",
        "manufacturing",
        "fabrication",
        "assembly"
      ],
      "category": "Specialty",
      "verdict": "yes",
      "verdict_label": "In current Hedge appetite",
      "summary": "Light manufacturing. consumer goods, food, apparel, light industrial. Heavy machinery referred.",
      "naics": [
        "311000",
        "315000",
        "316000",
        "326000",
        "332000",
        "335000"
      ],
      "target_coverage": [
        {
          "name": "Product Liability",
          "target": "$2M / $4M",
          "resource_url": "https://www.hedgespecialty.com/product-liability.html"
        },
        {
          "name": "General Liability",
          "target": "$1M / $2M",
          "resource_url": "https://www.hedgespecialty.com/general-liability.html"
        },
        {
          "name": "Commercial Property",
          "target": "$10M / loc",
          "resource_url": "https://www.hedgespecialty.com/commercial-property.html"
        },
        {
          "name": "Inland Marine",
          "target": "Per shipping",
          "resource_url": "https://www.hedgespecialty.com/inland-marine.html"
        }
      ],
      "submission_requirements": [
        "Product description + materials",
        "End market (consumer / B2B)",
        "Quality control process",
        "Recall history + reserves",
        "Sales by state + international"
      ],
      "ideal_profile": [
        "Consumer non-food products",
        "Domestic sales, US-only",
        "ISO certified quality process"
      ],
      "review_factors": [
        "Food products (FDA regulated)",
        "Children's products (CPSIA)",
        "Imported components from high-risk countries"
      ],
      "outside_profile": [
        "Firearms manufacturing",
        "Medical implants",
        "Vape / e-cigarette manufacturing"
      ],
      "state_overrides": [],
      "detail_url": "https://www.hedgespecialty.com/appetite/manufacturer-light",
      "submission_url": "https://www.hedgespecialty.com/submit?class=manufacturer-light"
    },
    {
      "slug": "cannabis",
      "name": "Cannabis & hemp",
      "aliases": [
        "cannabis",
        "marijuana",
        "dispensary",
        "cultivator",
        "hemp",
        "CBD"
      ],
      "category": "Specialty",
      "verdict": "edge",
      "verdict_label": "Review case by case",
      "summary": "Licensed dispensaries, cultivators, and CBD retailers in legal states. Manufacturing reviewed individually.",
      "naics": [
        "453998",
        "111998",
        "424690"
      ],
      "target_coverage": [
        {
          "name": "Commercial Property",
          "target": "$10M / loc",
          "resource_url": "https://www.hedgespecialty.com/commercial-property.html"
        },
        {
          "name": "General Liability",
          "target": "$1M / $2M",
          "resource_url": "https://www.hedgespecialty.com/general-liability.html"
        },
        {
          "name": "Product Liability",
          "target": "$1M / $2M",
          "resource_url": "https://www.hedgespecialty.com/product-liability.html"
        },
        {
          "name": "Crime",
          "target": "$500K (cash)",
          "resource_url": "https://www.hedgespecialty.com/management-liability.html"
        }
      ],
      "submission_requirements": [
        "State license + license type",
        "Operation type (retail, cultivation, manufacturing, lab)",
        "Security plan (cameras, vault, alarm)",
        "Cash handling protocol",
        "Distribution partners"
      ],
      "ideal_profile": [
        "Licensed retail dispensary",
        "Indoor cultivation in compliant facility",
        "CBD retail (hemp-derived)"
      ],
      "review_factors": [
        "Extraction / concentrate manufacturing",
        "Edible / infused product manufacturing",
        "Delivery operations"
      ],
      "outside_profile": [
        "Unlicensed operations",
        "Federal-land or interstate transport",
        "Vape device manufacturing"
      ],
      "state_overrides": [
        {
          "state": "CA",
          "state_name": "California",
          "verdict": "yes",
          "verdict_label": "In current Hedge appetite",
          "note": "Licensed adult-use and medical operators.",
          "detail_url": "https://www.hedgespecialty.com/appetite/cannabis-ca"
        },
        {
          "state": "CO",
          "state_name": "Colorado",
          "verdict": "yes",
          "verdict_label": "In current Hedge appetite",
          "note": "Licensed operators only.",
          "detail_url": "https://www.hedgespecialty.com/appetite/cannabis-co"
        },
        {
          "state": "MA",
          "state_name": "Massachusetts",
          "verdict": "yes",
          "verdict_label": "In current Hedge appetite",
          "note": "Licensed operators only.",
          "detail_url": "https://www.hedgespecialty.com/appetite/cannabis-ma"
        },
        {
          "state": "NV",
          "state_name": "Nevada",
          "verdict": "yes",
          "verdict_label": "In current Hedge appetite",
          "note": "Licensed operators only.",
          "detail_url": "https://www.hedgespecialty.com/appetite/cannabis-nv"
        },
        {
          "state": "WA",
          "state_name": "Washington",
          "verdict": "yes",
          "verdict_label": "In current Hedge appetite",
          "note": "Licensed operators only.",
          "detail_url": "https://www.hedgespecialty.com/appetite/cannabis-wa"
        },
        {
          "state": "OR",
          "state_name": "Oregon",
          "verdict": "yes",
          "verdict_label": "In current Hedge appetite",
          "note": "Licensed operators only.",
          "detail_url": "https://www.hedgespecialty.com/appetite/cannabis-or"
        },
        {
          "state": "NY",
          "state_name": "New York",
          "verdict": "yes",
          "verdict_label": "In current Hedge appetite",
          "note": "Licensed adult-use operators.",
          "detail_url": "https://www.hedgespecialty.com/appetite/cannabis-ny"
        },
        {
          "state": "IL",
          "state_name": "Illinois",
          "verdict": "yes",
          "verdict_label": "In current Hedge appetite",
          "note": "Licensed operators only.",
          "detail_url": "https://www.hedgespecialty.com/appetite/cannabis-il"
        },
        {
          "state": "NJ",
          "state_name": "New Jersey",
          "verdict": "yes",
          "verdict_label": "In current Hedge appetite",
          "note": "Licensed adult-use operators.",
          "detail_url": "https://www.hedgespecialty.com/appetite/cannabis-nj"
        },
        {
          "state": "AZ",
          "state_name": "Arizona",
          "verdict": "yes",
          "verdict_label": "In current Hedge appetite",
          "note": "Licensed operators only.",
          "detail_url": "https://www.hedgespecialty.com/appetite/cannabis-az"
        },
        {
          "state": "MI",
          "state_name": "Michigan",
          "verdict": "yes",
          "verdict_label": "In current Hedge appetite",
          "note": "Licensed operators only.",
          "detail_url": "https://www.hedgespecialty.com/appetite/cannabis-mi"
        },
        {
          "state": "FL",
          "state_name": "Florida",
          "verdict": "edge",
          "verdict_label": "Review case by case",
          "note": "Medical / hemp-CBD only; recreational not legal.",
          "detail_url": "https://www.hedgespecialty.com/appetite/cannabis-fl"
        },
        {
          "state": "TX",
          "state_name": "Texas",
          "verdict": "edge",
          "verdict_label": "Review case by case",
          "note": "Hemp/CBD retail only; cannabis not legal.",
          "detail_url": "https://www.hedgespecialty.com/appetite/cannabis-tx"
        },
        {
          "state": "GA",
          "state_name": "Georgia",
          "verdict": "edge",
          "verdict_label": "Review case by case",
          "note": "Hemp/CBD retail only.",
          "detail_url": "https://www.hedgespecialty.com/appetite/cannabis-ga"
        },
        {
          "state": "NC",
          "state_name": "North Carolina",
          "verdict": "edge",
          "verdict_label": "Review case by case",
          "note": "Hemp/CBD retail only.",
          "detail_url": "https://www.hedgespecialty.com/appetite/cannabis-nc"
        }
      ],
      "detail_url": "https://www.hedgespecialty.com/appetite/cannabis",
      "submission_url": "https://www.hedgespecialty.com/submit?class=cannabis"
    },
    {
      "slug": "fitness-gym",
      "name": "Gyms, fitness studios, yoga",
      "aliases": [
        "gym",
        "fitness",
        "yoga",
        "pilates",
        "crossfit",
        "boutique fitness",
        "studio"
      ],
      "category": "P&C",
      "verdict": "yes",
      "verdict_label": "In current Hedge appetite",
      "summary": "Boutique fitness, yoga, pilates, and traditional gyms. CrossFit affiliates reviewed individually.",
      "naics": [
        "713940",
        "611620"
      ],
      "target_coverage": [
        {
          "name": "General Liability",
          "target": "$1M / $2M",
          "resource_url": "https://www.hedgespecialty.com/general-liability.html"
        },
        {
          "name": "Professional Liability (trainers)",
          "target": "$1M / $2M",
          "resource_url": "https://www.hedgespecialty.com/misc-eo.html"
        },
        {
          "name": "Commercial Property",
          "target": "$2M / loc",
          "resource_url": "https://www.hedgespecialty.com/commercial-property.html"
        }
      ],
      "submission_requirements": [
        "Class types + max class size",
        "Member waiver template",
        "Trainer certifications",
        "Pool / sauna on premises?"
      ],
      "ideal_profile": [
        "Yoga, pilates, barre, spin",
        "Trained instructors with national certs",
        "Signed liability waivers per member"
      ],
      "review_factors": [
        "CrossFit / Olympic lifting",
        "Trampoline / aerial fitness",
        "Combat sports gyms (MMA, boxing)"
      ],
      "outside_profile": [
        "Trampoline parks (separate market)",
        "Inflatable obstacle courses",
        "Boxing rings with paid spectators"
      ],
      "state_overrides": [],
      "detail_url": "https://www.hedgespecialty.com/appetite/fitness-gym",
      "submission_url": "https://www.hedgespecialty.com/submit?class=fitness-gym"
    },
    {
      "slug": "salon-spa",
      "name": "Salons, spas, barbers",
      "aliases": [
        "salon",
        "spa",
        "barber",
        "barbershop",
        "beauty salon",
        "nail salon",
        "med spa"
      ],
      "category": "P&C",
      "verdict": "yes",
      "verdict_label": "In current Hedge appetite",
      "summary": "Hair, nail, esthetician services. Med spas with injectables reviewed separately.",
      "naics": [
        "812112",
        "812199",
        "812191"
      ],
      "target_coverage": [
        {
          "name": "General Liability",
          "target": "$1M / $2M",
          "resource_url": "https://www.hedgespecialty.com/general-liability.html"
        },
        {
          "name": "Professional Liability",
          "target": "$1M / $2M",
          "resource_url": "https://www.hedgespecialty.com/misc-eo.html"
        },
        {
          "name": "Commercial Property",
          "target": "$1M / loc",
          "resource_url": "https://www.hedgespecialty.com/commercial-property.html"
        }
      ],
      "submission_requirements": [
        "Services performed",
        "Booth-rental vs. employee model",
        "Esthetician services (peels, microblading)",
        "Injectables (Botox, fillers)?"
      ],
      "ideal_profile": [
        "Hair + nail + standard esthetics",
        "Employee or booth-rental clean structure",
        "State-licensed practitioners"
      ],
      "review_factors": [
        "Med spa with injectables (RN/PA on staff)",
        "Laser hair removal / IPL",
        "Permanent makeup / microblading"
      ],
      "outside_profile": [
        "Surgical procedures (lift, lipo)",
        "Tattoo removal with high-power lasers (unsupervised)"
      ],
      "state_overrides": [
        {
          "state": "NJ",
          "state_name": "New Jersey",
          "verdict": "edge",
          "verdict_label": "Review case by case",
          "note": "Cosmetology license stricter; med spa requires physician.",
          "detail_url": "https://www.hedgespecialty.com/appetite/salon-spa-nj"
        }
      ],
      "detail_url": "https://www.hedgespecialty.com/appetite/salon-spa",
      "submission_url": "https://www.hedgespecialty.com/submit?class=salon-spa"
    },
    {
      "slug": "daycare",
      "name": "Daycares & preschools",
      "aliases": [
        "daycare",
        "preschool",
        "child care",
        "early learning"
      ],
      "category": "P&C",
      "verdict": "edge",
      "verdict_label": "Review case by case",
      "summary": "Licensed daycares and preschools, ages 2+. Infant care referred separately.",
      "naics": [
        "624410"
      ],
      "target_coverage": [
        {
          "name": "General Liability",
          "target": "$1M / $2M",
          "resource_url": "https://www.hedgespecialty.com/general-liability.html"
        },
        {
          "name": "Abuse & Molestation",
          "target": "$1M sub-limit",
          "resource_url": "https://www.hedgespecialty.com/general-liability.html"
        },
        {
          "name": "Professional Liability",
          "target": "$1M",
          "resource_url": "https://www.hedgespecialty.com/misc-eo.html"
        },
        {
          "name": "Commercial Property",
          "target": "$2M / loc",
          "resource_url": "https://www.hedgespecialty.com/commercial-property.html"
        }
      ],
      "submission_requirements": [
        "State license + capacity",
        "Age ranges accepted",
        "Background check process",
        "Staff-to-child ratios",
        "Transportation services?"
      ],
      "ideal_profile": [
        "Licensed centers, ages 2-5",
        "Background checks + fingerprinting",
        "No transportation"
      ],
      "review_factors": [
        "Infants under 18 months",
        "Special needs care",
        "Pickup/drop-off transportation"
      ],
      "outside_profile": [
        "In-home daycare > 6 children",
        "Religious-exempt unlicensed care",
        "Foster care placement services"
      ],
      "state_overrides": [],
      "detail_url": "https://www.hedgespecialty.com/appetite/daycare",
      "submission_url": "https://www.hedgespecialty.com/submit?class=daycare"
    },
    {
      "slug": "school-private",
      "name": "Private K-12 schools",
      "aliases": [
        "school",
        "private school",
        "K-12",
        "academy",
        "religious school"
      ],
      "category": "P&C",
      "verdict": "yes",
      "verdict_label": "In current Hedge appetite",
      "summary": "Private K-12, including religious and Montessori. Boarding schools referred separately.",
      "naics": [
        "611110"
      ],
      "target_coverage": [
        {
          "name": "General Liability",
          "target": "$1M / $2M",
          "resource_url": "https://www.hedgespecialty.com/general-liability.html"
        },
        {
          "name": "Abuse & Molestation",
          "target": "$1M sub-limit",
          "resource_url": "https://www.hedgespecialty.com/general-liability.html"
        },
        {
          "name": "Educators Legal Liability",
          "target": "$2M",
          "resource_url": "https://www.hedgespecialty.com/misc-eo.html"
        },
        {
          "name": "Commercial Property",
          "target": "$10M / loc",
          "resource_url": "https://www.hedgespecialty.com/commercial-property.html"
        },
        {
          "name": "EPL",
          "target": "$2M",
          "resource_url": "https://www.hedgespecialty.com/employment-practices.html"
        }
      ],
      "submission_requirements": [
        "Enrollment + grade levels",
        "Background check process",
        "Athletic programs (contact sports)",
        "Transportation (buses)?"
      ],
      "ideal_profile": [
        "Day schools, < 1,000 students",
        "Standard curriculum + extracurricular",
        "Background-checked staff"
      ],
      "review_factors": [
        "Boarding programs",
        "Athletic powerhouses (football, hockey)",
        "Special needs / therapeutic schools"
      ],
      "outside_profile": [
        "Unlicensed religious schools",
        "Foster-care boarding facilities"
      ],
      "state_overrides": [],
      "detail_url": "https://www.hedgespecialty.com/appetite/school-private",
      "submission_url": "https://www.hedgespecialty.com/submit?class=school-private"
    },
    {
      "slug": "religious",
      "name": "Churches & religious institutions",
      "aliases": [
        "church",
        "religious institution",
        "synagogue",
        "mosque",
        "temple",
        "house of worship"
      ],
      "category": "P&C",
      "verdict": "yes",
      "verdict_label": "In current Hedge appetite",
      "summary": "Churches and houses of worship. Day care or school inside reviewed as separate location.",
      "naics": [
        "813110"
      ],
      "target_coverage": [
        {
          "name": "Commercial Property",
          "target": "$10M / loc",
          "resource_url": "https://www.hedgespecialty.com/commercial-property.html"
        },
        {
          "name": "General Liability",
          "target": "$1M / $2M",
          "resource_url": "https://www.hedgespecialty.com/general-liability.html"
        },
        {
          "name": "Abuse & Molestation",
          "target": "$500K sub-limit",
          "resource_url": "https://www.hedgespecialty.com/general-liability.html"
        },
        {
          "name": "Pastoral Counseling",
          "target": "$500K",
          "resource_url": "https://www.hedgespecialty.com/misc-eo.html"
        }
      ],
      "submission_requirements": [
        "Attendance (Sunday services)",
        "Daycare / preschool on premises?",
        "Counseling services offered?",
        "Background checks for staff/volunteers"
      ],
      "ideal_profile": [
        "Established congregations, 50-500 attendance",
        "Daycare / school operated as separate entity",
        "Background-checked youth workers"
      ],
      "review_factors": [
        "Megachurches > 2,000 attendance",
        "School + daycare under same EIN",
        "Foster placement / adoption services"
      ],
      "outside_profile": [
        "Healing-only ministries refusing medical care",
        "Buildings being condemned"
      ],
      "state_overrides": [],
      "detail_url": "https://www.hedgespecialty.com/appetite/religious",
      "submission_url": "https://www.hedgespecialty.com/submit?class=religious"
    },
    {
      "slug": "environmental-contractor",
      "name": "Environmental contractors",
      "aliases": [
        "environmental",
        "remediation",
        "abatement",
        "asbestos abatement",
        "mold",
        "lead"
      ],
      "category": "Specialty",
      "verdict": "edge",
      "verdict_label": "Review case by case",
      "summary": "Asbestos, lead, and mold remediation. Heavy industrial cleanup referred individually.",
      "naics": [
        "562910",
        "562112"
      ],
      "target_coverage": [
        {
          "name": "Contractors Pollution Liability",
          "target": "$1M / $2M",
          "resource_url": "https://www.hedgespecialty.com/environmental.html"
        },
        {
          "name": "Professional Liability",
          "target": "$1M / $2M",
          "resource_url": "https://www.hedgespecialty.com/environmental.html"
        },
        {
          "name": "General Liability",
          "target": "$1M / $2M",
          "resource_url": "https://www.hedgespecialty.com/general-liability.html"
        }
      ],
      "submission_requirements": [
        "License + certification (state)",
        "Type of work + % of revenue",
        "Project sizes (small to large)",
        "Subcontractors used?"
      ],
      "ideal_profile": [
        "Mold remediation < $250K projects",
        "Lead abatement (residential)",
        "Asbestos abatement (Class III/IV trained)"
      ],
      "review_factors": [
        "Class I/II asbestos (heavy)",
        "Industrial spill cleanup",
        "Demolition + abatement combined"
      ],
      "outside_profile": [
        "Nuclear / radioactive cleanup",
        "Pesticide hauling without specialty form"
      ],
      "state_overrides": [
        {
          "state": "CA",
          "state_name": "California",
          "verdict": "edge",
          "verdict_label": "Review case by case",
          "note": "DTSC registration required for haz waste.",
          "detail_url": "https://www.hedgespecialty.com/appetite/environmental-contractor-ca"
        },
        {
          "state": "NY",
          "state_name": "New York",
          "verdict": "edge",
          "verdict_label": "Review case by case",
          "note": "ICR-56 / ICR-78 cert required for asbestos.",
          "detail_url": "https://www.hedgespecialty.com/appetite/environmental-contractor-ny"
        }
      ],
      "detail_url": "https://www.hedgespecialty.com/appetite/environmental-contractor",
      "submission_url": "https://www.hedgespecialty.com/submit?class=environmental-contractor"
    },
    {
      "slug": "brewery",
      "name": "Breweries & distilleries",
      "aliases": [
        "brewery",
        "distillery",
        "winery",
        "craft beer",
        "spirits"
      ],
      "category": "Specialty",
      "verdict": "yes",
      "verdict_label": "In current Hedge appetite",
      "summary": "Craft breweries, distilleries, and wineries. Taprooms welcome, weddings require special event review.",
      "naics": [
        "312120",
        "312130",
        "312140"
      ],
      "target_coverage": [
        {
          "name": "Commercial Property",
          "target": "$10M / loc",
          "resource_url": "https://www.hedgespecialty.com/commercial-property.html"
        },
        {
          "name": "General Liability",
          "target": "$1M / $2M",
          "resource_url": "https://www.hedgespecialty.com/general-liability.html"
        },
        {
          "name": "Liquor Liability",
          "target": "$1M / $2M",
          "resource_url": "https://www.hedgespecialty.com/general-liability.html"
        },
        {
          "name": "Product Liability",
          "target": "$2M / $4M",
          "resource_url": "https://www.hedgespecialty.com/product-liability.html"
        },
        {
          "name": "Workers' Comp (referral)",
          "target": "Statutory",
          "resource_url": "https://www.hedgespecialty.com/general-liability.html"
        }
      ],
      "submission_requirements": [
        "Production volume (BBLs / cases per year)",
        "Distribution model (self-distribute, wholesale)",
        "Taproom + food service?",
        "Events held on premises?"
      ],
      "ideal_profile": [
        "Craft brewery, < 25,000 BBLs / year",
        "Taproom with light food",
        "Distribution via wholesaler"
      ],
      "review_factors": [
        "Self-distribution > 50 miles",
        "Cider / hard seltzer with sugar-based fermentation",
        "Weddings / large events"
      ],
      "outside_profile": [
        "Industrial-scale grain alcohol",
        "Unlicensed moonshine production"
      ],
      "state_overrides": [],
      "detail_url": "https://www.hedgespecialty.com/appetite/brewery",
      "submission_url": "https://www.hedgespecialty.com/submit?class=brewery"
    },
    {
      "slug": "cleaning-special-event",
      "name": "Event production & rentals",
      "aliases": [
        "event production",
        "event rental",
        "DJ",
        "wedding planner",
        "tent rental"
      ],
      "category": "Specialty",
      "verdict": "yes",
      "verdict_label": "In current Hedge appetite",
      "summary": "Event planners, DJs, equipment rentals, tent companies. Festivals with > 5,000 attendees referred.",
      "naics": [
        "812990",
        "532289"
      ],
      "target_coverage": [
        {
          "name": "General Liability",
          "target": "$1M / $2M",
          "resource_url": "https://www.hedgespecialty.com/general-liability.html"
        },
        {
          "name": "Inland Marine",
          "target": "$100K (equipment)",
          "resource_url": "https://www.hedgespecialty.com/inland-marine.html"
        },
        {
          "name": "Hired & Non-Owned Auto",
          "target": "$1M",
          "resource_url": "https://www.hedgespecialty.com/commercial-auto.html"
        },
        {
          "name": "Professional Liability",
          "target": "$1M (event planners)",
          "resource_url": "https://www.hedgespecialty.com/misc-eo.html"
        }
      ],
      "submission_requirements": [
        "Service description (planning, rentals, DJ, etc.)",
        "Largest event capacity",
        "Equipment owned + value",
        "Alcohol service involved?"
      ],
      "ideal_profile": [
        "Weddings, corporate events, < 1,000 guests",
        "Tent + table rentals",
        "DJ + lighting services"
      ],
      "review_factors": [
        "Festivals > 5,000 attendees",
        "Pyrotechnics / fireworks displays",
        "Stage construction"
      ],
      "outside_profile": [
        "Concert venues with mosh pits",
        "Mechanical bulls / inflatables without separate form"
      ],
      "state_overrides": [],
      "detail_url": "https://www.hedgespecialty.com/appetite/cleaning-special-event",
      "submission_url": "https://www.hedgespecialty.com/submit?class=cleaning-special-event"
    },
    {
      "slug": "sfr-landlord",
      "name": "Single-family & 1-4 unit landlord",
      "aliases": [
        "SFR",
        "single family rental",
        "1-4 unit rental",
        "1-4 unit",
        "duplex",
        "triplex",
        "fourplex",
        "landlord",
        "rental dwelling"
      ],
      "category": "P&C",
      "verdict": "yes",
      "verdict_label": "In current Hedge appetite",
      "summary": "1-4 unit rental dwellings up to $1.5M TIV. Property + GL on one file, instant quote-to-bind for qualified files.",
      "naics": [
        "531110",
        "531311",
        "531312"
      ],
      "target_coverage": [
        {
          "name": "Commercial Property",
          "target": "$1.5M TIV / loc",
          "resource_url": "https://www.hedgespecialty.com/commercial-property.html"
        },
        {
          "name": "General Liability",
          "target": "$1M / $2M",
          "resource_url": "https://www.hedgespecialty.com/general-liability.html"
        },
        {
          "name": "Terrorism",
          "target": "Optional",
          "resource_url": "https://www.hedgespecialty.com/commercial-property.html"
        },
        {
          "name": "Water Backup & Sump Overflow",
          "target": "Optional",
          "resource_url": "https://www.hedgespecialty.com/commercial-property.html"
        }
      ],
      "submission_requirements": [
        "5-year loss runs (property + GL)",
        "Roof age and last replacement date",
        "Plumbing material and last update",
        "Electrical update history (no knob-and-tube / aluminum)",
        "Occupancy status (tenant-occupied 12+ months)",
        "ITV worksheet",
        "Deductible preference ($2,500 / $5,000 / $10,000)"
      ],
      "ideal_profile": [
        "1-4 unit SFR, duplex, triplex, fourplex",
        "Frame through fire-resistive construction",
        "Protection Class 1-7",
        "Tenant-occupied 12+ months",
        "Maintained roof under 20 years old"
      ],
      "review_factors": [
        "Section 8 housing over 30% of units",
        "Short-vacancy under 60 days",
        "Wind-exposed coastal counties (variable W/H deductible)"
      ],
      "outside_profile": [
        "Short-term / vacation rentals (Airbnb, VRBO)",
        "Condominiums, townhomes, rowhomes",
        "Vacant over 60 consecutive days",
        "Mobile, manufactured, or modular homes",
        "Owner-occupied residences",
        "Student housing",
        "Barrier island locations",
        "Protection Class 8-10"
      ],
      "state_overrides": [
        {
          "state": "AL",
          "state_name": "Alabama",
          "verdict": "no",
          "verdict_label": "Outside current Hedge appetite",
          "note": "Not currently in carrier footprint for 1-4 unit SFR landlord.",
          "detail_url": "https://www.hedgespecialty.com/appetite/sfr-landlord-al"
        },
        {
          "state": "AK",
          "state_name": "Alaska",
          "verdict": "no",
          "verdict_label": "Outside current Hedge appetite",
          "note": "Not currently in carrier footprint for 1-4 unit SFR landlord.",
          "detail_url": "https://www.hedgespecialty.com/appetite/sfr-landlord-ak"
        },
        {
          "state": "CA",
          "state_name": "California",
          "verdict": "no",
          "verdict_label": "Outside current Hedge appetite",
          "note": "Not currently in carrier footprint for 1-4 unit SFR landlord.",
          "detail_url": "https://www.hedgespecialty.com/appetite/sfr-landlord-ca"
        },
        {
          "state": "DE",
          "state_name": "Delaware",
          "verdict": "no",
          "verdict_label": "Outside current Hedge appetite",
          "note": "Not currently in carrier footprint for 1-4 unit SFR landlord.",
          "detail_url": "https://www.hedgespecialty.com/appetite/sfr-landlord-de"
        },
        {
          "state": "FL",
          "state_name": "Florida",
          "verdict": "no",
          "verdict_label": "Outside current Hedge appetite",
          "note": "Not currently in carrier footprint for 1-4 unit SFR landlord.",
          "detail_url": "https://www.hedgespecialty.com/appetite/sfr-landlord-fl"
        },
        {
          "state": "HI",
          "state_name": "Hawaii",
          "verdict": "no",
          "verdict_label": "Outside current Hedge appetite",
          "note": "Not currently in carrier footprint for 1-4 unit SFR landlord.",
          "detail_url": "https://www.hedgespecialty.com/appetite/sfr-landlord-hi"
        },
        {
          "state": "ID",
          "state_name": "Idaho",
          "verdict": "no",
          "verdict_label": "Outside current Hedge appetite",
          "note": "Not currently in carrier footprint for 1-4 unit SFR landlord.",
          "detail_url": "https://www.hedgespecialty.com/appetite/sfr-landlord-id"
        },
        {
          "state": "IN",
          "state_name": "Indiana",
          "verdict": "no",
          "verdict_label": "Outside current Hedge appetite",
          "note": "Not currently in carrier footprint for 1-4 unit SFR landlord.",
          "detail_url": "https://www.hedgespecialty.com/appetite/sfr-landlord-in"
        },
        {
          "state": "IA",
          "state_name": "Iowa",
          "verdict": "no",
          "verdict_label": "Outside current Hedge appetite",
          "note": "Not currently in carrier footprint for 1-4 unit SFR landlord.",
          "detail_url": "https://www.hedgespecialty.com/appetite/sfr-landlord-ia"
        },
        {
          "state": "KS",
          "state_name": "Kansas",
          "verdict": "no",
          "verdict_label": "Outside current Hedge appetite",
          "note": "Not currently in carrier footprint for 1-4 unit SFR landlord.",
          "detail_url": "https://www.hedgespecialty.com/appetite/sfr-landlord-ks"
        },
        {
          "state": "KY",
          "state_name": "Kentucky",
          "verdict": "no",
          "verdict_label": "Outside current Hedge appetite",
          "note": "Not currently in carrier footprint for 1-4 unit SFR landlord.",
          "detail_url": "https://www.hedgespecialty.com/appetite/sfr-landlord-ky"
        },
        {
          "state": "LA",
          "state_name": "Louisiana",
          "verdict": "no",
          "verdict_label": "Outside current Hedge appetite",
          "note": "Not currently in carrier footprint for 1-4 unit SFR landlord.",
          "detail_url": "https://www.hedgespecialty.com/appetite/sfr-landlord-la"
        },
        {
          "state": "ME",
          "state_name": "Maine",
          "verdict": "no",
          "verdict_label": "Outside current Hedge appetite",
          "note": "Not currently in carrier footprint for 1-4 unit SFR landlord.",
          "detail_url": "https://www.hedgespecialty.com/appetite/sfr-landlord-me"
        },
        {
          "state": "MN",
          "state_name": "Minnesota",
          "verdict": "no",
          "verdict_label": "Outside current Hedge appetite",
          "note": "Not currently in carrier footprint for 1-4 unit SFR landlord.",
          "detail_url": "https://www.hedgespecialty.com/appetite/sfr-landlord-mn"
        },
        {
          "state": "MS",
          "state_name": "Mississippi",
          "verdict": "no",
          "verdict_label": "Outside current Hedge appetite",
          "note": "Not currently in carrier footprint for 1-4 unit SFR landlord.",
          "detail_url": "https://www.hedgespecialty.com/appetite/sfr-landlord-ms"
        },
        {
          "state": "MT",
          "state_name": "Montana",
          "verdict": "no",
          "verdict_label": "Outside current Hedge appetite",
          "note": "Not currently in carrier footprint for 1-4 unit SFR landlord.",
          "detail_url": "https://www.hedgespecialty.com/appetite/sfr-landlord-mt"
        },
        {
          "state": "NE",
          "state_name": "Nebraska",
          "verdict": "no",
          "verdict_label": "Outside current Hedge appetite",
          "note": "Not currently in carrier footprint for 1-4 unit SFR landlord.",
          "detail_url": "https://www.hedgespecialty.com/appetite/sfr-landlord-ne"
        },
        {
          "state": "NH",
          "state_name": "New Hampshire",
          "verdict": "no",
          "verdict_label": "Outside current Hedge appetite",
          "note": "Not currently in carrier footprint for 1-4 unit SFR landlord.",
          "detail_url": "https://www.hedgespecialty.com/appetite/sfr-landlord-nh"
        },
        {
          "state": "NM",
          "state_name": "New Mexico",
          "verdict": "no",
          "verdict_label": "Outside current Hedge appetite",
          "note": "Not currently in carrier footprint for 1-4 unit SFR landlord.",
          "detail_url": "https://www.hedgespecialty.com/appetite/sfr-landlord-nm"
        },
        {
          "state": "ND",
          "state_name": "North Dakota",
          "verdict": "no",
          "verdict_label": "Outside current Hedge appetite",
          "note": "Not currently in carrier footprint for 1-4 unit SFR landlord.",
          "detail_url": "https://www.hedgespecialty.com/appetite/sfr-landlord-nd"
        },
        {
          "state": "RI",
          "state_name": "Rhode Island",
          "verdict": "no",
          "verdict_label": "Outside current Hedge appetite",
          "note": "Not currently in carrier footprint for 1-4 unit SFR landlord.",
          "detail_url": "https://www.hedgespecialty.com/appetite/sfr-landlord-ri"
        },
        {
          "state": "SD",
          "state_name": "South Dakota",
          "verdict": "no",
          "verdict_label": "Outside current Hedge appetite",
          "note": "Not currently in carrier footprint for 1-4 unit SFR landlord.",
          "detail_url": "https://www.hedgespecialty.com/appetite/sfr-landlord-sd"
        },
        {
          "state": "UT",
          "state_name": "Utah",
          "verdict": "no",
          "verdict_label": "Outside current Hedge appetite",
          "note": "Not currently in carrier footprint for 1-4 unit SFR landlord.",
          "detail_url": "https://www.hedgespecialty.com/appetite/sfr-landlord-ut"
        },
        {
          "state": "VT",
          "state_name": "Vermont",
          "verdict": "no",
          "verdict_label": "Outside current Hedge appetite",
          "note": "Not currently in carrier footprint for 1-4 unit SFR landlord.",
          "detail_url": "https://www.hedgespecialty.com/appetite/sfr-landlord-vt"
        },
        {
          "state": "WA",
          "state_name": "Washington",
          "verdict": "no",
          "verdict_label": "Outside current Hedge appetite",
          "note": "Not currently in carrier footprint for 1-4 unit SFR landlord.",
          "detail_url": "https://www.hedgespecialty.com/appetite/sfr-landlord-wa"
        },
        {
          "state": "WV",
          "state_name": "West Virginia",
          "verdict": "no",
          "verdict_label": "Outside current Hedge appetite",
          "note": "Not currently in carrier footprint for 1-4 unit SFR landlord.",
          "detail_url": "https://www.hedgespecialty.com/appetite/sfr-landlord-wv"
        },
        {
          "state": "WY",
          "state_name": "Wyoming",
          "verdict": "no",
          "verdict_label": "Outside current Hedge appetite",
          "note": "Not currently in carrier footprint for 1-4 unit SFR landlord.",
          "detail_url": "https://www.hedgespecialty.com/appetite/sfr-landlord-wy"
        }
      ],
      "detail_url": "https://www.hedgespecialty.com/appetite/sfr-landlord",
      "submission_url": "https://www.hedgespecialty.com/submit?class=sfr-landlord"
    },
    {
      "slug": "flip-rehab",
      "name": "Fix-and-flip & rehab investor",
      "aliases": [
        "fix and flip",
        "fix-and-flip",
        "flip",
        "rehab",
        "house flipper",
        "investor renovation",
        "REI rehab",
        "rehabber"
      ],
      "category": "P&C",
      "verdict": "yes",
      "verdict_label": "In current Hedge appetite",
      "summary": "Property + GL for active rehab and flip projects up to $3M TIV and 12 units. Vacant during renovation OK with permits.",
      "naics": [
        "236118",
        "236220",
        "531120",
        "531190",
        "531311"
      ],
      "target_coverage": [
        {
          "name": "Commercial Property",
          "target": "$3M TIV / loc",
          "resource_url": "https://www.hedgespecialty.com/commercial-property.html"
        },
        {
          "name": "General Liability",
          "target": "$1M / $2M",
          "resource_url": "https://www.hedgespecialty.com/general-liability.html"
        },
        {
          "name": "Flood",
          "target": "Optional, up to $250K",
          "resource_url": "https://www.hedgespecialty.com/commercial-property.html"
        }
      ],
      "submission_requirements": [
        "Scope of work and renovation timeline",
        "Active building permits",
        "Contractor license and experience",
        "Total completed value",
        "Photos of all four elevations",
        "Anticipated completion date",
        "25% minimum earned premium acknowledgement"
      ],
      "ideal_profile": [
        "Investors, GCs, house flippers on 1-4 unit residential",
        "Multi-family up to 12 units",
        "Structural and non-structural renovation",
        "Frame, joisted masonry, non-combustible, fire-resistive"
      ],
      "review_factors": [
        "Vacant lots awaiting permits (case-by-case)",
        "Owner-occupied during partial rehab",
        "Tier 1 wind counties"
      ],
      "outside_profile": [
        "Historical structures",
        "Mobile, modular, or log homes",
        "Part-time / weekend renovations",
        "Ground-up new construction (see construction-cof class)",
        "Properties over $3M TIV or over 12 units",
        "Protection Class 9, 10, or 10W",
        "Pre-started renovations not previously insured here"
      ],
      "state_overrides": [
        {
          "state": "AL",
          "state_name": "Alabama",
          "verdict": "no",
          "verdict_label": "Outside current Hedge appetite",
          "note": "Not currently in carrier footprint for fix-and-flip.",
          "detail_url": "https://www.hedgespecialty.com/appetite/flip-rehab-al"
        },
        {
          "state": "AK",
          "state_name": "Alaska",
          "verdict": "no",
          "verdict_label": "Outside current Hedge appetite",
          "note": "Not currently in carrier footprint for fix-and-flip.",
          "detail_url": "https://www.hedgespecialty.com/appetite/flip-rehab-ak"
        },
        {
          "state": "DE",
          "state_name": "Delaware",
          "verdict": "no",
          "verdict_label": "Outside current Hedge appetite",
          "note": "Not currently in carrier footprint for fix-and-flip.",
          "detail_url": "https://www.hedgespecialty.com/appetite/flip-rehab-de"
        },
        {
          "state": "HI",
          "state_name": "Hawaii",
          "verdict": "no",
          "verdict_label": "Outside current Hedge appetite",
          "note": "Not currently in carrier footprint for fix-and-flip.",
          "detail_url": "https://www.hedgespecialty.com/appetite/flip-rehab-hi"
        },
        {
          "state": "ID",
          "state_name": "Idaho",
          "verdict": "no",
          "verdict_label": "Outside current Hedge appetite",
          "note": "Not currently in carrier footprint for fix-and-flip.",
          "detail_url": "https://www.hedgespecialty.com/appetite/flip-rehab-id"
        },
        {
          "state": "IN",
          "state_name": "Indiana",
          "verdict": "no",
          "verdict_label": "Outside current Hedge appetite",
          "note": "Not currently in carrier footprint for fix-and-flip.",
          "detail_url": "https://www.hedgespecialty.com/appetite/flip-rehab-in"
        },
        {
          "state": "IA",
          "state_name": "Iowa",
          "verdict": "no",
          "verdict_label": "Outside current Hedge appetite",
          "note": "Not currently in carrier footprint for fix-and-flip.",
          "detail_url": "https://www.hedgespecialty.com/appetite/flip-rehab-ia"
        },
        {
          "state": "KS",
          "state_name": "Kansas",
          "verdict": "no",
          "verdict_label": "Outside current Hedge appetite",
          "note": "Not currently in carrier footprint for fix-and-flip.",
          "detail_url": "https://www.hedgespecialty.com/appetite/flip-rehab-ks"
        },
        {
          "state": "KY",
          "state_name": "Kentucky",
          "verdict": "no",
          "verdict_label": "Outside current Hedge appetite",
          "note": "Not currently in carrier footprint for fix-and-flip.",
          "detail_url": "https://www.hedgespecialty.com/appetite/flip-rehab-ky"
        },
        {
          "state": "LA",
          "state_name": "Louisiana",
          "verdict": "no",
          "verdict_label": "Outside current Hedge appetite",
          "note": "Not currently in carrier footprint for fix-and-flip.",
          "detail_url": "https://www.hedgespecialty.com/appetite/flip-rehab-la"
        },
        {
          "state": "ME",
          "state_name": "Maine",
          "verdict": "no",
          "verdict_label": "Outside current Hedge appetite",
          "note": "Not currently in carrier footprint for fix-and-flip.",
          "detail_url": "https://www.hedgespecialty.com/appetite/flip-rehab-me"
        },
        {
          "state": "MN",
          "state_name": "Minnesota",
          "verdict": "no",
          "verdict_label": "Outside current Hedge appetite",
          "note": "Not currently in carrier footprint for fix-and-flip.",
          "detail_url": "https://www.hedgespecialty.com/appetite/flip-rehab-mn"
        },
        {
          "state": "MS",
          "state_name": "Mississippi",
          "verdict": "no",
          "verdict_label": "Outside current Hedge appetite",
          "note": "Not currently in carrier footprint for fix-and-flip.",
          "detail_url": "https://www.hedgespecialty.com/appetite/flip-rehab-ms"
        },
        {
          "state": "MT",
          "state_name": "Montana",
          "verdict": "no",
          "verdict_label": "Outside current Hedge appetite",
          "note": "Not currently in carrier footprint for fix-and-flip.",
          "detail_url": "https://www.hedgespecialty.com/appetite/flip-rehab-mt"
        },
        {
          "state": "NE",
          "state_name": "Nebraska",
          "verdict": "no",
          "verdict_label": "Outside current Hedge appetite",
          "note": "Not currently in carrier footprint for fix-and-flip.",
          "detail_url": "https://www.hedgespecialty.com/appetite/flip-rehab-ne"
        },
        {
          "state": "NH",
          "state_name": "New Hampshire",
          "verdict": "no",
          "verdict_label": "Outside current Hedge appetite",
          "note": "Not currently in carrier footprint for fix-and-flip.",
          "detail_url": "https://www.hedgespecialty.com/appetite/flip-rehab-nh"
        },
        {
          "state": "NM",
          "state_name": "New Mexico",
          "verdict": "no",
          "verdict_label": "Outside current Hedge appetite",
          "note": "Not currently in carrier footprint for fix-and-flip.",
          "detail_url": "https://www.hedgespecialty.com/appetite/flip-rehab-nm"
        },
        {
          "state": "ND",
          "state_name": "North Dakota",
          "verdict": "no",
          "verdict_label": "Outside current Hedge appetite",
          "note": "Not currently in carrier footprint for fix-and-flip.",
          "detail_url": "https://www.hedgespecialty.com/appetite/flip-rehab-nd"
        },
        {
          "state": "RI",
          "state_name": "Rhode Island",
          "verdict": "no",
          "verdict_label": "Outside current Hedge appetite",
          "note": "Not currently in carrier footprint for fix-and-flip.",
          "detail_url": "https://www.hedgespecialty.com/appetite/flip-rehab-ri"
        },
        {
          "state": "SD",
          "state_name": "South Dakota",
          "verdict": "no",
          "verdict_label": "Outside current Hedge appetite",
          "note": "Not currently in carrier footprint for fix-and-flip.",
          "detail_url": "https://www.hedgespecialty.com/appetite/flip-rehab-sd"
        },
        {
          "state": "UT",
          "state_name": "Utah",
          "verdict": "no",
          "verdict_label": "Outside current Hedge appetite",
          "note": "Not currently in carrier footprint for fix-and-flip.",
          "detail_url": "https://www.hedgespecialty.com/appetite/flip-rehab-ut"
        },
        {
          "state": "VT",
          "state_name": "Vermont",
          "verdict": "no",
          "verdict_label": "Outside current Hedge appetite",
          "note": "Not currently in carrier footprint for fix-and-flip.",
          "detail_url": "https://www.hedgespecialty.com/appetite/flip-rehab-vt"
        },
        {
          "state": "WA",
          "state_name": "Washington",
          "verdict": "no",
          "verdict_label": "Outside current Hedge appetite",
          "note": "Not currently in carrier footprint for fix-and-flip.",
          "detail_url": "https://www.hedgespecialty.com/appetite/flip-rehab-wa"
        },
        {
          "state": "WV",
          "state_name": "West Virginia",
          "verdict": "no",
          "verdict_label": "Outside current Hedge appetite",
          "note": "Not currently in carrier footprint for fix-and-flip.",
          "detail_url": "https://www.hedgespecialty.com/appetite/flip-rehab-wv"
        },
        {
          "state": "WY",
          "state_name": "Wyoming",
          "verdict": "no",
          "verdict_label": "Outside current Hedge appetite",
          "note": "Not currently in carrier footprint for fix-and-flip.",
          "detail_url": "https://www.hedgespecialty.com/appetite/flip-rehab-wy"
        },
        {
          "state": "FL",
          "state_name": "Florida",
          "verdict": "edge",
          "verdict_label": "Review case by case",
          "note": "Coastal restrictions apply; review individually.",
          "detail_url": "https://www.hedgespecialty.com/appetite/flip-rehab-fl"
        },
        {
          "state": "CA",
          "state_name": "California",
          "verdict": "edge",
          "verdict_label": "Review case by case",
          "note": "Earthquake required with 10% minimum deductible.",
          "detail_url": "https://www.hedgespecialty.com/appetite/flip-rehab-ca"
        }
      ],
      "detail_url": "https://www.hedgespecialty.com/appetite/flip-rehab",
      "submission_url": "https://www.hedgespecialty.com/submit?class=flip-rehab"
    },
    {
      "slug": "community-association-do",
      "name": "Community association D&O",
      "aliases": [
        "HOA D&O",
        "condo D&O",
        "community association directors",
        "PUD D&O",
        "cooperative D&O",
        "association board liability"
      ],
      "category": "Management",
      "verdict": "yes",
      "verdict_label": "In current Hedge appetite",
      "summary": "D&O for HOAs, condos, co-ops, PUDs, timeshares. Defense outside the limits, full prior acts, no Insured vs Insured exclusion.",
      "naics": [
        "813990",
        "813410",
        "531312"
      ],
      "target_coverage": [
        {
          "name": "D&O",
          "target": "$1M to $5M",
          "resource_url": "https://www.hedgespecialty.com/management-liability.html"
        },
        {
          "name": "Cyber sub-limit",
          "target": "Optional (data breach, network security, privacy)",
          "resource_url": "https://www.hedgespecialty.com/management-liability.html"
        },
        {
          "name": "Wage & Hour / Workplace Violence / Immigration defense",
          "target": "$150K sublimit",
          "resource_url": "https://www.hedgespecialty.com/management-liability.html"
        }
      ],
      "submission_requirements": [
        "Number of units and ownership mix",
        "Employee count (must be under 10)",
        "5-year D&O claims history",
        "Board minutes for past 12 months",
        "Governing documents (CC&Rs, bylaws)",
        "Any open or pending claims"
      ],
      "ideal_profile": [
        "Associations under 1,000 units",
        "Fewer than 10 employees",
        "No open D&O claims",
        "Residential, commercial, or mixed-use"
      ],
      "review_factors": [
        "Associations with pending architectural-review disputes",
        "Recent board turnover",
        "Mixed-use with retail tenants"
      ],
      "outside_profile": [
        "Associations over 1,000 units",
        "Associations with 10 or more employees",
        "Open D&O claims",
        "Master associations with sub-association exposure"
      ],
      "state_overrides": [],
      "detail_url": "https://www.hedgespecialty.com/appetite/community-association-do",
      "submission_url": "https://www.hedgespecialty.com/submit?class=community-association-do"
    },
    {
      "slug": "community-association-crime",
      "name": "Community association crime",
      "aliases": [
        "HOA crime",
        "condo crime",
        "association employee theft",
        "association forgery",
        "community association fidelity"
      ],
      "category": "Management",
      "verdict": "yes",
      "verdict_label": "In current Hedge appetite",
      "summary": "Employee theft, forgery, computer crime, and social engineering for community associations. $10K to $5M limits.",
      "naics": [
        "813990",
        "813410",
        "531312"
      ],
      "target_coverage": [
        {
          "name": "Employee Theft",
          "target": "$10K to $5M",
          "resource_url": "https://www.hedgespecialty.com/management-liability.html"
        },
        {
          "name": "Employee Theft of Unit Owner Property",
          "target": "Included",
          "resource_url": "https://www.hedgespecialty.com/management-liability.html"
        },
        {
          "name": "Forgery and Alteration",
          "target": "$10K to $5M",
          "resource_url": "https://www.hedgespecialty.com/management-liability.html"
        },
        {
          "name": "Computer Crime and Funds Transfer Fraud",
          "target": "$10K to $5M",
          "resource_url": "https://www.hedgespecialty.com/management-liability.html"
        },
        {
          "name": "Social Engineering",
          "target": "$150K max sublimit",
          "resource_url": "https://www.hedgespecialty.com/management-liability.html"
        }
      ],
      "submission_requirements": [
        "Bank reconciliation cadence",
        "Dual-control banking policy",
        "Property manager bond status",
        "Prior crime losses (5-year)",
        "Treasurer and bookkeeper change history"
      ],
      "ideal_profile": [
        "HOAs, condos, co-ops, PUDs, commercial associations",
        "Documented financial controls",
        "Independent CPA-prepared financials"
      ],
      "review_factors": [
        "Associations with prior employee theft",
        "No dual-control banking",
        "Property managers with custody of association funds"
      ],
      "outside_profile": [
        "Associations with open crime claims",
        "Unaudited financials for over 3 years"
      ],
      "state_overrides": [],
      "detail_url": "https://www.hedgespecialty.com/appetite/community-association-crime",
      "submission_url": "https://www.hedgespecialty.com/submit?class=community-association-crime"
    },
    {
      "slug": "community-association-excess",
      "name": "Community association excess liability",
      "aliases": [
        "HOA excess",
        "condo excess",
        "community association umbrella",
        "association excess liability"
      ],
      "category": "Management",
      "verdict": "yes",
      "verdict_label": "In current Hedge appetite",
      "summary": "$1M / $2M / $5M excess over CGL, Auto, EL, Garage Keepers, EBL, and D&O. Defense outside the limits with Crisis Response.",
      "naics": [
        "813990",
        "813410",
        "531312"
      ],
      "target_coverage": [
        {
          "name": "Excess Liability",
          "target": "$1M / $2M / $5M",
          "resource_url": "https://www.hedgespecialty.com/general-liability.html"
        },
        {
          "name": "Crisis Response sub-limit",
          "target": "$300K",
          "resource_url": "https://www.hedgespecialty.com/management-liability.html"
        }
      ],
      "submission_requirements": [
        "Underlying limits and carriers (all lines)",
        "5-year loss runs for every underlying policy",
        "Schedule of amenities (pool, gym, marina, dock)",
        "Governing documents",
        "Owned auto count"
      ],
      "ideal_profile": [
        "Condos, co-ops, HOAs, PUDs, timeshares",
        "Commercial and mixed-use associations",
        "Master associations under 1,000 units"
      ],
      "review_factors": [
        "Mixed-use with retail tenants",
        "Recreational amenities (pool, gym, marina, dock)",
        "Associations with prior excess-layer claims"
      ],
      "outside_profile": [
        "Associations over 1,000 units",
        "Associations with 10 or more employees",
        "Associations with 3 or more owned autos",
        "Open liability claims"
      ],
      "state_overrides": [],
      "detail_url": "https://www.hedgespecialty.com/appetite/community-association-excess",
      "submission_url": "https://www.hedgespecialty.com/submit?class=community-association-excess"
    },
    {
      "slug": "aviation-non-owned",
      "name": "Non-owned aircraft liability",
      "aliases": [
        "aviation",
        "non-owned aircraft",
        "non owned aviation",
        "charter aircraft",
        "fractional aircraft",
        "drone liability",
        "UAS liability"
      ],
      "category": "Specialty",
      "verdict": "yes",
      "verdict_label": "In current Hedge appetite",
      "summary": "Non-owned aircraft liability for corporations chartering, fractional, or business-travel use. Limits up to $50M, worldwide coverage.",
      "naics": [
        "481111",
        "481211",
        "481219",
        "488119"
      ],
      "target_coverage": [
        {
          "name": "Non-Owned Aircraft Liability",
          "target": "$1M to $50M",
          "resource_url": "https://www.hedgespecialty.com/general-liability.html"
        },
        {
          "name": "Passenger Medical Payments",
          "target": "Included",
          "resource_url": "https://www.hedgespecialty.com/general-liability.html"
        },
        {
          "name": "War and TRIA",
          "target": "Included",
          "resource_url": "https://www.hedgespecialty.com/general-liability.html"
        }
      ],
      "submission_requirements": [
        "Aircraft use schedule (annual)",
        "Vendor / operator names and ratings",
        "Expected annual hours",
        "Pilot qualifications and ratings",
        "Prior aviation loss history (5-year)"
      ],
      "ideal_profile": [
        "Corporations using charter or fractional",
        "Film production using non-owned aircraft",
        "Construction firms with site-survey use",
        "Drone operators (commercial UAS)",
        "Business travelers"
      ],
      "review_factors": [
        "Fractional ownership with over 20% of annual hours",
        "International routes"
      ],
      "outside_profile": [
        "Owned aircraft hull and liability (refer out)",
        "Individual pilots renting or leasing personally",
        "Scheduled commercial carriers",
        "Crop dusting and aerial application"
      ],
      "state_overrides": [],
      "detail_url": "https://www.hedgespecialty.com/appetite/aviation-non-owned",
      "submission_url": "https://www.hedgespecialty.com/submit?class=aviation-non-owned"
    },
    {
      "slug": "active-assailant",
      "name": "Active assailant & crisis management",
      "aliases": [
        "active assailant",
        "active shooter",
        "workplace violence",
        "crisis management",
        "deadly weapon",
        "mass casualty"
      ],
      "category": "Specialty",
      "verdict": "yes",
      "verdict_label": "In current Hedge appetite",
      "summary": "First-dollar active-assailant coverage. Crisis response, victim benefits, business interruption, broad weapon definition.",
      "naics": [
        "452210",
        "452319",
        "611110",
        "611620",
        "622110",
        "713110",
        "713940",
        "721110",
        "722511",
        "813110",
        "813990"
      ],
      "target_coverage": [
        {
          "name": "Active Assailant Liability",
          "target": "Limits on request",
          "resource_url": "https://www.hedgespecialty.com/general-liability.html"
        },
        {
          "name": "Crisis Response",
          "target": "Public relations, counseling, security",
          "resource_url": "https://www.hedgespecialty.com/general-liability.html"
        },
        {
          "name": "Business Income from Denial of Access",
          "target": "Included",
          "resource_url": "https://www.hedgespecialty.com/commercial-property.html"
        },
        {
          "name": "Victim Benefits",
          "target": "Death and dismemberment, disability, medical, funeral",
          "resource_url": "https://www.hedgespecialty.com/general-liability.html"
        }
      ],
      "submission_requirements": [
        "Security plan and incident-response procedure",
        "Prior threats, incidents, or law enforcement contact",
        "Employee training cadence (active-assailant drills)",
        "Schedule of sites and occupancy",
        "Existing crisis-management vendor (if any)"
      ],
      "ideal_profile": [
        "Retail, theaters, performance venues",
        "Manufacturing and industrial facilities",
        "Healthcare, schools, government buildings",
        "Hospitality and religious organizations",
        "Restaurants, commercial offices, office parks, strip malls",
        "Community associations"
      ],
      "review_factors": [
        "High-vulnerability federal or state buildings",
        "Places of worship with prior threats",
        "Multi-tenant venues without unified security"
      ],
      "outside_profile": [
        "Soft-target venues with no security plan",
        "Sites with active threats under law enforcement watch",
        "Operations in AK or HI (not available)"
      ],
      "state_overrides": [
        {
          "state": "AK",
          "state_name": "Alaska",
          "verdict": "no",
          "verdict_label": "Outside current Hedge appetite",
          "note": "Active-assailant carrier not licensed in this state.",
          "detail_url": "https://www.hedgespecialty.com/appetite/active-assailant-ak"
        },
        {
          "state": "HI",
          "state_name": "Hawaii",
          "verdict": "no",
          "verdict_label": "Outside current Hedge appetite",
          "note": "Active-assailant carrier not licensed in this state.",
          "detail_url": "https://www.hedgespecialty.com/appetite/active-assailant-hi"
        }
      ],
      "detail_url": "https://www.hedgespecialty.com/appetite/active-assailant",
      "submission_url": "https://www.hedgespecialty.com/submit?class=active-assailant"
    },
    {
      "slug": "peo-staffing-epli",
      "name": "PEO & staffing firm EPLI",
      "aliases": [
        "PEO EPLI",
        "staffing EPLI",
        "PEO employment practices",
        "ASO EPLI",
        "HRO EPLI",
        "EOR EPLI",
        "co-employment EPLI"
      ],
      "category": "Management",
      "verdict": "yes",
      "verdict_label": "In current Hedge appetite",
      "summary": "EPLI for PEOs, staffing firms, ASOs, HROs, and EORs. Broad form including wage and hour, immigration, workplace violence. Auto nose-and-tail prevents client gaps.",
      "naics": [
        "561311",
        "561312",
        "561320",
        "561330",
        "541612"
      ],
      "target_coverage": [
        {
          "name": "EPLI",
          "target": "$1M to $10M",
          "resource_url": "https://www.hedgespecialty.com/employment-practices.html"
        },
        {
          "name": "Wage & Hour defense",
          "target": "Sub-limit",
          "resource_url": "https://www.hedgespecialty.com/employment-practices.html"
        },
        {
          "name": "Immigration defense",
          "target": "Sub-limit",
          "resource_url": "https://www.hedgespecialty.com/employment-practices.html"
        },
        {
          "name": "Third-Party EPL",
          "target": "Included",
          "resource_url": "https://www.hedgespecialty.com/employment-practices.html"
        }
      ],
      "submission_requirements": [
        "Worksite employee count (PEO + staffing)",
        "Client roster and industry mix",
        "Co-employment agreement template",
        "5-year EPL loss runs",
        "Retention preference (minimum SIR $15,000)",
        "States with material exposure"
      ],
      "ideal_profile": [
        "PEOs, staffing firms, temp placement",
        "ASOs managing HR functions",
        "HROs in co-employment",
        "EORs with over 50% revenue from PEO or staffing"
      ],
      "review_factors": [
        "Hybrid recruiting and staffing models",
        "International worksites",
        "High-turnover client books"
      ],
      "outside_profile": [
        "Pure recruiting / headhunting firms",
        "International-only PEOs",
        "Organizations with under 50% PEO or staffing revenue"
      ],
      "state_overrides": [],
      "detail_url": "https://www.hedgespecialty.com/appetite/peo-staffing-epli",
      "submission_url": "https://www.hedgespecialty.com/submit?class=peo-staffing-epli"
    },
    {
      "slug": "active-appointment-appetite",
      "name": "Full active appointment appetite",
      "aliases": [
        "full appetite",
        "all appetite",
        "market appetite",
        "active appointments",
        "all lines",
        "all states",
        "naics lookup",
        "commercial general liability",
        "property",
        "contractors",
        "cyber",
        "workers compensation",
        "professional liability",
        "management liability",
        "products liability",
        "builders risk",
        "inland marine",
        "cargo",
        "flood",
        "events",
        "hospitality",
        "liquor",
        "environmental"
      ],
      "category": "Specialty",
      "verdict": "yes",
      "verdict_label": "In current Hedge appetite",
      "summary": "Current carrier-anonymous appetite guidance across property, casualty, professional, management and specialty lines. Search an exact NAICS code and pick a state to see the published fit and review conditions.",
      "naics": [
        "111110",
        "111120",
        "111130",
        "111140",
        "111150",
        "111160",
        "111191",
        "111199",
        "111211",
        "111219",
        "111310",
        "111320",
        "111331",
        "111332",
        "111333",
        "111334",
        "111335",
        "111336",
        "111339",
        "111411",
        "111419",
        "111421",
        "111422",
        "111910",
        "111920",
        "111930",
        "111940",
        "111991",
        "111992",
        "111998",
        "112111",
        "112112",
        "112120",
        "112130",
        "112210",
        "112310",
        "112320",
        "112330",
        "112340",
        "112390",
        "112410",
        "112420",
        "112511",
        "112512",
        "112519",
        "112910",
        "112920",
        "112930",
        "112990",
        "113110",
        "113210",
        "113310",
        "114111",
        "114112",
        "114119",
        "114210",
        "115111",
        "115112",
        "115113",
        "115114",
        "115115",
        "115116",
        "115210",
        "115310",
        "211120",
        "211130",
        "212114",
        "212115",
        "212210",
        "212220",
        "212230",
        "212290",
        "212311",
        "212312",
        "212313",
        "212319",
        "212321",
        "212322",
        "212323",
        "212390",
        "213111",
        "213112",
        "213113",
        "213114",
        "213115",
        "221111",
        "221112",
        "221113",
        "221114",
        "221115",
        "221116",
        "221117",
        "221118",
        "221121",
        "221122",
        "221210",
        "221310",
        "221320",
        "221330",
        "236115",
        "236116",
        "236117",
        "236118",
        "236210",
        "236220",
        "237110",
        "237120",
        "237130",
        "237210",
        "237310",
        "237990",
        "238110",
        "238120",
        "238130",
        "238140",
        "238150",
        "238160",
        "238170",
        "238190",
        "238210",
        "238220",
        "238290",
        "238310",
        "238320",
        "238330",
        "238340",
        "238350",
        "238390",
        "238910",
        "238990",
        "311111",
        "311119",
        "311211",
        "311212",
        "311213",
        "311221",
        "311224",
        "311225",
        "311230",
        "311313",
        "311314",
        "311340",
        "311351",
        "311352",
        "311411",
        "311412",
        "311421",
        "311422",
        "311423",
        "311511",
        "311512",
        "311513",
        "311514",
        "311520",
        "311611",
        "311612",
        "311613",
        "311615",
        "311710",
        "311811",
        "311812",
        "311813",
        "311821",
        "311824",
        "311830",
        "311911",
        "311919",
        "311920",
        "311930",
        "311941",
        "311942",
        "311991",
        "311999",
        "312111",
        "312112",
        "312113",
        "312120",
        "312130",
        "312140",
        "312230",
        "313110",
        "313210",
        "313220",
        "313230",
        "313240",
        "313310",
        "313320",
        "314110",
        "314120",
        "314910",
        "314994",
        "314999",
        "315120",
        "315210",
        "315250",
        "315990",
        "316110",
        "316210",
        "316990",
        "321113",
        "321114",
        "321211",
        "321212",
        "321215",
        "321219",
        "321911",
        "321912",
        "321918",
        "321920",
        "321991",
        "321992",
        "321999",
        "322110",
        "322120",
        "322130",
        "322211",
        "322212",
        "322219",
        "322220",
        "322230",
        "322291",
        "322299",
        "323111",
        "323113",
        "323117",
        "323120",
        "324110",
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        "325110",
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        "325180",
        "325193",
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        "325199",
        "325211",
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        "325311",
        "325312",
        "325314",
        "325315",
        "325320",
        "325411",
        "325412",
        "325413",
        "325414",
        "325510",
        "325520",
        "325611",
        "325612",
        "325613",
        "325620",
        "325910",
        "325920",
        "325991",
        "325992",
        "325998",
        "326111",
        "326112",
        "326113",
        "326121",
        "326122",
        "326130",
        "326140",
        "326150",
        "326160",
        "326191",
        "326199",
        "326211",
        "326212",
        "326220",
        "326291",
        "326299",
        "327110",
        "327120",
        "327211",
        "327212",
        "327213",
        "327215",
        "327310",
        "327320",
        "327331",
        "327332",
        "327390",
        "327410",
        "327420",
        "327910",
        "327991",
        "327992",
        "327993",
        "327999",
        "331110",
        "331210",
        "331221",
        "331222",
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        "331314",
        "331315",
        "331318",
        "331410",
        "331420",
        "331491",
        "331492",
        "331511",
        "331512",
        "331513",
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        "331524",
        "331529",
        "332111",
        "332112",
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        "332117",
        "332119",
        "332215",
        "332216",
        "332311",
        "332312",
        "332313",
        "332321",
        "332322",
        "332323",
        "332410",
        "332420",
        "332431",
        "332439",
        "332510",
        "332613",
        "332618",
        "332710",
        "332721",
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        "332811",
        "332812",
        "332813",
        "332911",
        "332912",
        "332913",
        "332919",
        "332991",
        "332992",
        "332993",
        "332994",
        "332996",
        "332999",
        "333111",
        "333112",
        "333120",
        "333131",
        "333132",
        "333241",
        "333242",
        "333243",
        "333248",
        "333310",
        "333413",
        "333414",
        "333415",
        "333511",
        "333514",
        "333515",
        "333517",
        "333519",
        "333611",
        "333612",
        "333613",
        "333618",
        "333912",
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        "333993",
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        "333995",
        "333996",
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        "334112",
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        "334220",
        "334290",
        "334310",
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        "334413",
        "334416",
        "334417",
        "334418",
        "334419",
        "334510",
        "334511",
        "334512",
        "334513",
        "334514",
        "334515",
        "334516",
        "334517",
        "334519",
        "334610",
        "335131",
        "335132",
        "335139",
        "335210",
        "335220",
        "335311",
        "335312",
        "335313",
        "335314",
        "335910",
        "335921",
        "335929",
        "335931",
        "335932",
        "335991",
        "335999",
        "336110",
        "336120",
        "336211",
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        "337127",
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        "337212",
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        "337910",
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        "339116",
        "339910",
        "339920",
        "339930",
        "339940",
        "339950",
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        "445110",
        "445131",
        "445132",
        "445230",
        "445240",
        "445250",
        "445291",
        "445292",
        "445298",
        "445320",
        "449110",
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        "449210",
        "455110",
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        "481211",
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        "482111",
        "482112",
        "483111",
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        "483212",
        "484110",
        "484121",
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        "484220",
        "484230",
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        "485991",
        "485999",
        "486110",
        "486210",
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        "519210",
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        "522299",
        "522310",
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        "523150",
        "523160",
        "523210",
        "523910",
        "523940",
        "523991",
        "523999",
        "524113",
        "524114",
        "524126",
        "524127",
        "524128",
        "524130",
        "524210",
        "524291",
        "524292",
        "524298",
        "525110",
        "525120",
        "525190",
        "525910",
        "525920",
        "525990",
        "531110",
        "531120",
        "531130",
        "531190",
        "531210",
        "531311",
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        "531390",
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        "532210",
        "532281",
        "532282",
        "532283",
        "532284",
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        "533110",
        "541110",
        "541120",
        "541191",
        "541199",
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        "541320",
        "541330",
        "541340",
        "541350",
        "541360",
        "541370",
        "541380",
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        "541420",
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        "541490",
        "541511",
        "541512",
        "541513",
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        "541611",
        "541612",
        "541613",
        "541614",
        "541618",
        "541620",
        "541690",
        "541713",
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        "541715",
        "541720",
        "541810",
        "541820",
        "541830",
        "541840",
        "541850",
        "541860",
        "541870",
        "541890",
        "541910",
        "541921",
        "541922",
        "541930",
        "541940",
        "541990",
        "551111",
        "551112",
        "551114",
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        "561210",
        "561311",
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        "561320",
        "561330",
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        "561421",
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        "561450",
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        "561492",
        "561499",
        "561510",
        "561520",
        "561591",
        "561599",
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        "561612",
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        "561621",
        "561622",
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        "561790",
        "561910",
        "561920",
        "561990",
        "562111",
        "562112",
        "562119",
        "562211",
        "562212",
        "562213",
        "562219",
        "562910",
        "562920",
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      ],
      "target_coverage": [
        {
          "name": "Commercial General Liability",
          "target": "Available",
          "resource_url": "https://www.hedgespecialty.com/general-liability.html"
        },
        {
          "name": "Commercial Property",
          "target": "Available",
          "resource_url": "https://www.hedgespecialty.com/commercial-property.html"
        },
        {
          "name": "Cyber & Tech E&O",
          "target": "Available",
          "resource_url": "https://www.hedgespecialty.com/cyber-tech-eo.html"
        },
        {
          "name": "Products Liability",
          "target": "Available",
          "resource_url": "https://www.hedgespecialty.com/product-liability.html"
        },
        {
          "name": "Management Liability",
          "target": "Available",
          "resource_url": "https://www.hedgespecialty.com/management-liability.html"
        },
        {
          "name": "Workers Compensation",
          "target": "State dependent",
          "resource_url": "https://www.hedgespecialty.com/employment-practices.html"
        }
      ],
      "submission_requirements": [
        "State, effective date and requested line of coverage",
        "Exact operations, NAICS or class code, revenue, payroll and location details",
        "Currently valued loss runs or a no-known-loss statement",
        "Prior carrier, expiring terms and requested limits",
        "Applications or supplements for the requested line",
        "Contracts, additional insured requirements and any special endorsements"
      ],
      "ideal_profile": [
        "Accounts matching an active line and mapped NAICS or class-code fit",
        "Complete submission with operations, state, loss history and target coverage",
        "Retail agents who want a quick yes or review path before blocking a market",
        "Multi-line accounts where property, casualty, professional or specialty lines can be triaged together"
      ],
      "review_factors": [
        "Unmapped NAICS but operations are adjacent to a supported class",
        "Cat, venue, regulatory, claims or product details that need underwriter review",
        "Lines with state-specific availability or program-specific eligibility",
        "New ventures or incomplete records where appetite exists but terms need review"
      ],
      "outside_profile": [
        "Risks barred by law or outside our licensing/placement authority",
        "Submissions with no operations description or no way to verify the exposure"
      ],
      "state_overrides": [],
      "detail_url": "https://www.hedgespecialty.com/appetite/active-appointment-appetite",
      "submission_url": "https://www.hedgespecialty.com/submit?class=active-appointment-appetite"
    },
    {
      "slug": "ecommerce-marketplace-sellers",
      "name": "Ecommerce sellers",
      "aliases": [
        "ecommerce",
        "e-commerce",
        "online sellers",
        "marketplace sellers",
        "amazon sellers",
        "amazon fba",
        "fba",
        "shopify",
        "walmart marketplace",
        "etsy",
        "ebay",
        "private label",
        "dtc",
        "direct to consumer",
        "consumer products",
        "product sellers",
        "importers",
        "distributors",
        "wholesale",
        "physical products"
      ],
      "category": "Specialty",
      "verdict": "yes",
      "verdict_label": "In current Hedge appetite",
      "summary": "Physical-product sellers across Amazon, Shopify, Walmart, Etsy, eBay, wholesale, private-label and DTC channels. Product-liability and ecommerce CGL are the cleanest fit.",
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      ],
      "target_coverage": [
        {
          "name": "Ecommerce General Liability",
          "target": "Available",
          "resource_url": "https://www.hedgespecialty.com/general-liability.html"
        },
        {
          "name": "Products Liability",
          "target": "Marketplace-ready",
          "resource_url": "https://www.hedgespecialty.com/product-liability.html"
        },
        {
          "name": "Products/Completed Operations",
          "target": "Included",
          "resource_url": "https://www.hedgespecialty.com/product-liability.html"
        },
        {
          "name": "Personal & Advertising Injury",
          "target": "Included",
          "resource_url": "https://www.hedgespecialty.com/general-liability.html"
        },
        {
          "name": "FBA Lost Inbound / Shipment Gap",
          "target": "Shipment gap",
          "resource_url": "https://www.hedgespecialty.com/inland-marine.html"
        }
      ],
      "submission_requirements": [
        "Sales channels",
        "Store connection or real sales data",
        "Product list with SKUs, materials, intended use and country of origin",
        "Annual and trailing-30-day sales by channel",
        "Import, manufacturing, private-label and distributor role",
        "Loss history, recalls, complaints and product safety documentation"
      ],
      "ideal_profile": [
        "Physical-product sellers with live marketplace or storefront sales",
        "Marketplace seller with clean product descriptions and real sales history",
        "Private-label, imported, wholesale or DTC consumer goods",
        "Products liability and ecommerce CGL needed for marketplace compliance"
      ],
      "review_factors": [
        "Property, inventory, BOP, cyber, WC, cargo, auto or umbrella needed alongside products liability",
        "Food, supplement, cosmetic, baby, toy, electronics or other recall-sensitive products",
        "Sellers without a connected store or credible sales data yet"
      ],
      "outside_profile": [
        "Digital-only services with no physical product",
        "Pure premises GL with no ecommerce or product-liability exposure",
        "Illegal products or products barred by marketplace rules"
      ],
      "state_overrides": [],
      "detail_url": "https://www.hedgespecialty.com/appetite/ecommerce-marketplace-sellers",
      "submission_url": "https://www.hedgespecialty.com/submit?class=ecommerce-marketplace-sellers"
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}