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
Commercial Property for Fix-and-flip & rehab investor.
Direct answer. Commercial Property is included in Hedge's published target coverage for Fix-and-flip & rehab investor under the line Commercial Property, with a published target of $3M TIV / loc. 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 property insurance commonly addresses direct physical loss to scheduled buildings, business personal property, and related time-element interests, subject to the policy form and causes of loss. Wholesale review may be appropriate when occupancy, construction, protection, catastrophe exposure, valuation, vacancy, losses, or requested limits do not fit an admitted market.
Class context. Property + GL for active rehab and flip projects up to $3M TIV and 12 units. Vacant during renovation OK with permits.
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.
- Scope of work and renovation timeline
- Active building permits
- Contractor license and experience
- Total completed value
- Photos of all four elevations
- Anticipated completion date
- 25% minimum earned premium acknowledgement
Conditions that need closer review
- Vacant lots awaiting permits (case-by-case)
- Owner-occupied during partial rehab
- Tier 1 wind counties
- Historical structures
- Mobile, modular, or log homes
- Part-time / weekend renovations
- Ground-up new construction (see construction-cof class)
- Properties over $3M TIV or over 12 units
- Protection Class 9, 10, or 10W
- Pre-started renovations not previously insured here
Stronger starting profile
Controls and facts to surface.
- Investors, GCs, house flippers on 1-4 unit residential
- Multi-family up to 12 units
- Structural and non-structural renovation
- Frame, joisted masonry, non-combustible, fire-resistive
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 140
Property Section
The commercial property section used to describe premises, buildings, values, construction, occupancy, protection, causes of loss, deductibles, and other property-specific requests.
Read form guide →State detail
Published class-specific state notes.
AL / Not currently targeted
Fix-and-flip & rehab investor in AL
Not currently in carrier footprint for fix-and-flip.
Open state appetite →AK / Not currently targeted
Fix-and-flip & rehab investor in AK
Not currently in carrier footprint for fix-and-flip.
Open state appetite →DE / Not currently targeted
Fix-and-flip & rehab investor in DE
Not currently in carrier footprint for fix-and-flip.
Open state appetite →HI / Not currently targeted
Fix-and-flip & rehab investor in HI
Not currently in carrier footprint for fix-and-flip.
Open state appetite →ID / Not currently targeted
Fix-and-flip & rehab investor in ID
Not currently in carrier footprint for fix-and-flip.
Open state appetite →IN / Not currently targeted
Fix-and-flip & rehab investor in IN
Not currently in carrier footprint for fix-and-flip.
Open state appetite →IA / Not currently targeted
Fix-and-flip & rehab investor in IA
Not currently in carrier footprint for fix-and-flip.
Open state appetite →KS / Not currently targeted
Fix-and-flip & rehab investor in KS
Not currently in carrier footprint for fix-and-flip.
Open state appetite →KY / Not currently targeted
Fix-and-flip & rehab investor in KY
Not currently in carrier footprint for fix-and-flip.
Open state appetite →LA / Not currently targeted
Fix-and-flip & rehab investor in LA
Not currently in carrier footprint for fix-and-flip.
Open state appetite →ME / Not currently targeted
Fix-and-flip & rehab investor in ME
Not currently in carrier footprint for fix-and-flip.
Open state appetite →MN / Not currently targeted
Fix-and-flip & rehab investor in MN
Not currently in carrier footprint for fix-and-flip.
Open state appetite →MS / Not currently targeted
Fix-and-flip & rehab investor in MS
Not currently in carrier footprint for fix-and-flip.
Open state appetite →MT / Not currently targeted
Fix-and-flip & rehab investor in MT
Not currently in carrier footprint for fix-and-flip.
Open state appetite →NE / Not currently targeted
Fix-and-flip & rehab investor in NE
Not currently in carrier footprint for fix-and-flip.
Open state appetite →NH / Not currently targeted
Fix-and-flip & rehab investor in NH
Not currently in carrier footprint for fix-and-flip.
Open state appetite →NM / Not currently targeted
Fix-and-flip & rehab investor in NM
Not currently in carrier footprint for fix-and-flip.
Open state appetite →ND / Not currently targeted
Fix-and-flip & rehab investor in ND
Not currently in carrier footprint for fix-and-flip.
Open state appetite →RI / Not currently targeted
Fix-and-flip & rehab investor in RI
Not currently in carrier footprint for fix-and-flip.
Open state appetite →SD / Not currently targeted
Fix-and-flip & rehab investor in SD
Not currently in carrier footprint for fix-and-flip.
Open state appetite →UT / Not currently targeted
Fix-and-flip & rehab investor in UT
Not currently in carrier footprint for fix-and-flip.
Open state appetite →VT / Not currently targeted
Fix-and-flip & rehab investor in VT
Not currently in carrier footprint for fix-and-flip.
Open state appetite →WA / Not currently targeted
Fix-and-flip & rehab investor in WA
Not currently in carrier footprint for fix-and-flip.
Open state appetite →WV / Not currently targeted
Fix-and-flip & rehab investor in WV
Not currently in carrier footprint for fix-and-flip.
Open state appetite →WY / Not currently targeted
Fix-and-flip & rehab investor in WY
Not currently in carrier footprint for fix-and-flip.
Open state appetite →FL / Review case by case
Fix-and-flip & rehab investor in FL
Coastal restrictions apply; review individually.
Open state appetite →CA / Review case by case
Fix-and-flip & rehab investor in CA
Earthquake required with 10% minimum deductible.
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.