Construction
Hedge Builders Risk Supplemental
A fillable Hedge supplemental for new construction and renovation builders risk accounts.
View form and fillable PDF →Class and coverage guide
Environmental and Pollution for Course of construction.
Direct answer. Environmental and Pollution Liability is included in Hedge's published target coverage for Course of construction under the line Pollution, with a published target of $1M / $2M. 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. Builder's risk for ground-up + renovation projects up to $25M completed value. 12-month policies standard.
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.
- Total completed value
- Hard-cost breakdown + contractor
- Renovation: existing structure value
- Soft costs and ALE if needed
- Estimated completion date
Conditions that need closer review
- Mid-rise wood frame > 4 stories
- Sites with prior loss / theft history
- Out-of-state owners with local GC only
- Self-built owner / no licensed GC
- Wildfire WUI without active defensible space
- Residential fix-and-flip / rehab projects (use flip-rehab)
Stronger starting profile
Controls and facts to surface.
- Ground-up commercial < $25M
- Licensed GC with 5+ years experience
- Sprinklered construction
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.
Construction
Hedge Contractors Supplemental
A fillable Hedge supplemental for contractors and construction operations.
View form and fillable PDF →Any risk
Hedge Schedule of Locations Supplement
A fillable Hedge schedule for presenting multiple premises and location-level exposure information.
View form and fillable PDF →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.
CA / Review case by case
Course of construction in CA
Wildfire WUI requires defensible space documentation.
Open state appetite →FL / Review case by case
Course of construction in FL
Wind deductible mandatory during build.
Open state appetite →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.