Real estate
Hedge Habitational and Apartment Supplemental
A fillable Hedge supplemental for apartments and other habitational properties.
View form and fillable PDF →Class and coverage guide
Employment Practices for Apartment buildings & multi-family.
Direct answer. Employment Practices Liability is included in Hedge's published target coverage for Apartment buildings & multi-family under the line EPL (HR-1 form), with a published target of $1M agg. 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.
Employment practices liability commonly addresses specified claims involving employment-related wrongful acts such as discrimination, harassment, retaliation, or wrongful termination. Workforce composition, locations, policies, prior matters, wage-and-hour exposure, and requested third-party coverage can materially affect the placement.
Class context. Frame and joisted masonry up to 4 stories. 10-250 units. Updated roofs win.
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.
- 5-year loss runs, all property + GL
- Statement of values with construction class
- Roof age & last replacement date
- Wiring (knob-and-tube? aluminum?)
- Plumbing material & last update
- Section 8 / HUD percentage if any
Conditions that need closer review
- Tier 1 wind coastal exposure
- Section 8 housing > 30% of units
- Frame > 4 stories
- Single-family & 1-4 unit rentals (use sfr-landlord)
- Vacant > 30 days at submission
- Boarded-up or condemned buildings
- Halfway / sober living houses
Stronger starting profile
Controls and facts to surface.
- 10-200 units, pitched roof, frame or JM
- Roof replaced in last 15 years
- Updated plumbing + electrical
- Owner-occupied management
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.
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 825
Professional and Specialty Insurance Applicant Section
The applicant section used with management, executive, and professional liability coverage sections. It organizes common applicant, ownership, financial, prior insurance, and claims facts before line-specific detail is added.
Read form guide →ACORD 827
Employment Practices Liability Insurance Section
The employment practices liability section used to describe workforce, locations, human-resources controls, layoffs, complaints, claims, and requested EPL coverage.
Read form guide →State detail
Published class-specific state notes.
CA / Review case by case
Apartment buildings & multi-family in CA
Wildfire score reviewed individually. Avoid 7+/10 unless built post-2010 with defensible space.
Open state appetite →FL / Review case by case
Apartment buildings & multi-family in FL
Wind deductible 3-5% standard. Miami-Dade/Broward referred.
Open state appetite →TX / Review case by case
Apartment buildings & multi-family in TX
Coastal tier-1 referred individually.
Open state appetite →LA / Review case by case
Apartment buildings & multi-family in LA
Wind deductible required.
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.