Hedge / Appetite / Course of construction / Florida
● Review case by case in Florida / P&C

Course of construction in Florida.

Course of construction in Florida is reviewed case by case in Hedge's current published wholesale appetite for licensed retail insurance brokers. Wind deductible mandatory during build. Builder's risk for ground-up + renovation projects up to $25M completed value. 12-month policies standard. Published target coverage includes Builder's Risk with a published target of $25M completed value, and Pollution with a published target of $1M / $2M. Hedge confirms current fit, the permitted submission route, and available terms after reviewing the account.

NAICS   236115 · 236118 · 236220
Also known as   builders risk, COC, renovation, ground-up build
Submit a risk All states for this class
Coverage

Published target coverage.

These are starting-point lines and limits for a course of construction submission. Hedge confirms current fit, route, and available terms after account review.

Builder's Risk $25M completed value Builder's Risk wholesale → Pollution $1M / $2M Pollution wholesale →
Knowledge graph

Go deeper by coverage and packet.

Use the narrowest guide for the question. Coverage pages explain the line for this class; the submission guide organizes the first packet.

$25M completed value Builders Risk for course of construction Coverage context, underwriting facts, forms, and preparation guidance. $1M / $2M Environmental and Pollution for course of construction Coverage context, underwriting facts, forms, and preparation guidance.
Submission preparation
What to submit for course of construction
Open class checklist →
Sweet spot

Where this fits cleanly.

This profile is the strongest starting point. Hedge confirms current market fit and route after reviewing the account.

01 Ground-up commercial < $25M
02 Licensed GC with 5+ years experience
03 Sprinklered construction
Submission

What we need for placement review.

Including these items reduces back-and-forth. Additional underwriting information may be required.

  • 01Total completed value
  • 02Hard-cost breakdown + contractor
  • 03Renovation: existing structure value
  • 04Soft costs and ALE if needed
  • 05Estimated completion date
By state

Other states for this class.

Same class, different state. Each state page covers the verdict, limits, and any state-specific subjectivities.

Course of construction in California
CA · Review case by case
Wildfire WUI requires defensible space documentation.
Related

Adjacent classes.

Often relevant to a submission in this class.

P&C Fix-and-flip & rehab investor P&C Apartment buildings & multi-family P&C Auto repair shops P&C Churches & religious institutions
FAQ

Common questions.

Does Hedge write course of construction in Florida?

Case by case in Florida. Wind deductible mandatory during build. The base appetite guidance still applies, subject to account and market review.

What's different about course of construction in Florida?

Wind deductible mandatory during build. This is the state-specific issue to address up front. The base course of construction guidance otherwise applies. See the Submission section for the current list.

What limits will Hedge offer on course of construction in Florida?

Builder's Risk target up to $25M completed value; Pollution target up to $1M / $2M. These are published targets, not promised terms. Wind deductible mandatory during build. Available limits are confirmed after account and market review.

Public appetite is directional and may change. It is not a quote, binder, coverage commitment, or confirmation of access to any named market. Hedge confirms current fit, route, and authority after reviewing the account.

· LAST REVIEWED   2026-08-24    · HEDGE SPECIALTY DBA TAVEN INSURANCE SERVICES LLC   CA LICENSE #6018729   NPN 22154671