Professional and management
Hedge Management Liability D&O and EPL Supplemental
A fillable Hedge supplemental for directors and officers, employment practices, and related management liability coverage.
View form and fillable PDF →Class and coverage guide
Umbrella and Excess for Community association excess liability.
Direct answer. Commercial Umbrella and Excess Liability is included in Hedge's published target coverage for Community association excess liability under the line Excess Liability, with a published target of $1M / $2M / $5M. 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 umbrella and excess liability policies provide limits above specified underlying insurance, but follow-form terms, exclusions, attachment points, and coverage grants can differ materially. Wholesale review is common when the underlying operations, tower size, attachment, carrier mix, loss history, or requested coverage is difficult.
Class context. $1M / $2M / $5M excess over CGL, Auto, EL, Garage Keepers, EBL, and D&O. Defense outside the limits with Crisis Response.
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.
- 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
Conditions that need closer review
- Mixed-use with retail tenants
- Recreational amenities (pool, gym, marina, dock)
- Associations with prior excess-layer claims
- Associations over 1,000 units
- Associations with 10 or more employees
- Associations with 3 or more owned autos
- Open liability claims
Stronger starting profile
Controls and facts to surface.
- Condos, co-ops, HOAs, PUDs, timeshares
- Commercial and mixed-use associations
- Master associations under 1,000 units
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 131
Umbrella Section
The umbrella section used to organize requested excess or umbrella limits, underlying policies, exposures, and loss information. The actual relationship to underlying coverage depends on the proposed form and terms.
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.