Any risk
Hedge Loss and Claims Supplement
A fillable Hedge supplement for organizing prior losses, claims, and open-claim detail for wholesale review.
View form and fillable PDF →Class and coverage guide
Commercial Property for Full active appointment appetite.
Direct answer. Commercial Property is included in Hedge's published target coverage for Full active appointment appetite under the line Commercial Property, with a published target of Available. The current public class status is in current public appetite. Hedge must confirm current fit, route, and available terms after reviewing the real account.
Coverage context
What this coverage question means.
Commercial property insurance commonly addresses direct physical loss to scheduled buildings, business personal property, and related time-element interests, subject to the policy form and causes of loss. Wholesale review may be appropriate when occupancy, construction, protection, catastrophe exposure, valuation, vacancy, losses, or requested limits do not fit an admitted market.
Class context. 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.
Terms depend on the policy and account
This page does not interpret a policy or promise coverage. Actual coverage depends on the issued forms, endorsements, exclusions, conditions, limits, and facts accepted by the insurer.
Underwriting facts
What changes the answer.
- 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
Conditions that need closer review
- 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
- Risks barred by law or outside our licensing/placement authority
- Submissions with no operations description or no way to verify the exposure
Stronger starting profile
Controls and facts to surface.
- 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
Hedge forms
Useful class-specific preparation resources.
These Hedge-owned forms may help organize the account. A form listing does not make the form mandatory for every submission and does not prove appetite or market access.
Standard form references
Common commercial form sections to understand.
Use the edition accepted by the intended market. Hedge explains these form purposes but does not republish ACORD files in its public form library.
ACORD 125
Commercial Insurance Application Applicant Information Section
The applicant-information foundation for a commercial insurance submission. It organizes the named insured, business operations, locations, prior coverage, requested lines, and other account-level facts that line-specific sections build on.
Read form guide →ACORD 140
Property Section
The commercial property section used to describe premises, buildings, values, construction, occupancy, protection, causes of loss, deductibles, and other property-specific requests.
Read form guide →State detail
Published class-specific state notes.
No class-specific state override is published for this class. State availability and account facts still require current review.
Next step
Build the account before choosing a route.
Open the class submission guide for the first-packet checklist, then have Hedge review the actual account. Do not infer a carrier, route, or authorization from this public page.