Construction
Hedge Contractors Supplemental
A fillable Hedge supplemental for contractors and construction operations.
View form and fillable PDF →Class and coverage guide
Environmental and Pollution for General contractors.
Direct answer. Environmental and Pollution Liability is included in Hedge's published target coverage for General contractors under the line Pollution (subs), with a published target of $1M. The current public class status is review case by case. 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. Residential and light commercial GCs. Sub-out percentage is the lever.
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.
- % subcontracted vs. self-performed
- Largest project completed value
- Subcontractor COI verification process
- Hold-harmless agreement template
- Residential vs. commercial mix
Conditions that need closer review
- Self-performing > 30% of trade work
- Condo / townhouse new construction
- Mid-rise wood frame
- Bridge / tunnel / heavy civil
- Demolition as primary
- GC with no signed subcontracts
Stronger starting profile
Controls and facts to surface.
- GC subbing 80%+ of work
- All subs with $1M GL + WC
- Projects under $10M completed value
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 Workers Compensation Supplemental
A fillable Hedge supplemental for workers compensation exposure review.
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.
NY / Review case by case
General contractors in NY
Labor Law 240/241 exposure individually rated for NYC work.
Open state appetite →NJ / Review case by case
General contractors in NJ
Labor Law 240/241 exposure individually rated.
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.