Class and coverage guide

General Liability for Environmental contractors.

Direct answer. Commercial General Liability is included in Hedge's published target coverage for Environmental contractors under the line General Liability, with a published target of $1M / $2M. The current public class status is review case by case. Hedge must confirm current fit, route, and available terms after reviewing the real account.

Public class statusReview case by case
Published target$1M / $2M
Reviewed2026-08-24
Coverage context

What this coverage question means.

Commercial general liability commonly addresses third-party bodily injury, property damage, and personal and advertising injury, subject to the actual policy terms, exclusions, and endorsements. Retail agents often seek wholesale review when the class, operations, loss history, subcontracting, height, completed operations, or requested terms fall outside admitted appetite.

Class context. Asbestos, lead, and mold remediation. Heavy industrial cleanup referred individually.

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.

  • License + certification (state)
  • Type of work + % of revenue
  • Project sizes (small to large)
  • Subcontractors used?

Conditions that need closer review

  • Class I/II asbestos (heavy)
  • Industrial spill cleanup
  • Demolition + abatement combined
  • Nuclear / radioactive cleanup
  • Pesticide hauling without specialty form
Stronger starting profile

Controls and facts to surface.

  • Mold remediation < $250K projects
  • Lead abatement (residential)
  • Asbestos abatement (Class III/IV trained)
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.

Specialty classes

Hedge Environmental and Pollution Supplemental

A fillable Hedge supplemental for environmental and pollution liability exposures.

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

Environmental contractors in CA

DTSC registration required for haz waste.

Open state appetite →
NY / Review case by case

Environmental contractors in NY

ICR-56 / ICR-78 cert required for asbestos.

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.