Auto and garage
Hedge Garage and Auto Service Supplemental
A fillable Hedge supplemental for garages, auto service businesses, dealers, and related operations.
View form and fillable PDF →Class and coverage guide
Environmental and Pollution for Auto repair shops.
Direct answer. Environmental and Pollution Liability is included in Hedge's published target coverage for Auto repair shops under the line Pollution, with a published target of $500K (waste oil). 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.
Environmental insurance can address specified pollution conditions, cleanup costs, third-party claims, transportation exposures, professional services, or contractor operations, depending on the policy. Historical use, contaminants, site conditions, operations, contracts, and known pollution conditions are central to placement.
Class context. Independent mechanics and small chains. Garagekeepers included.
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.
- Number of bays + lifts
- Customer cars on premises at any time
- Used oil disposal vendor
- Body work %
- Wash bay (pollution exposure)?
Conditions that need closer review
- Heavy collision / paint work
- Off-road / racing modifications
- Tow service in addition
- Demolition / scrap operations
- Container-only shops with no permanent location
Stronger starting profile
Controls and facts to surface.
- Independent shops with 3+ bays
- No body work / paint booth
- Long-term lease, not roadside
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.
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 →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 126
Commercial General Liability Section
The commercial general liability section used to organize premises, classifications, exposures, limits, products and completed operations, and other liability-specific information for an account.
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.