Construction
Hedge Contractors Supplemental
A fillable Hedge supplemental for contractors and construction operations.
View form and fillable PDF →Class and coverage guide
Commercial Auto for HVAC contractors.
Commercial Auto and Trucking is included in Hedge's published target coverage for HVAC contractors under the line Commercial Auto, with a published target of $1M CSL. 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 details
How this coverage applies to the class.
Commercial auto insurance commonly addresses liability and physical damage arising from scheduled business vehicles, while motor carrier programs may add cargo, trailer, non-trucking, or other transportation coverages. Wholesale review may be needed for fleet composition, radius, commodities, driver history, new ventures, losses, or difficult operations.
Class context. Residential and light commercial HVAC. Refrigeration commercial reviewed individually.
Terms depend on the policy and account
Coverage depends on the issued forms, endorsements, exclusions, conditions, limits, and facts accepted by the insurer.
Underwriting facts
Facts that affect eligibility and terms.
- License + EPA refrigerant cert
- % residential / commercial
- Refrigeration commercial?
- Number of trucks + technicians
Conditions that need closer review
- Commercial refrigeration (grocery, ice)
- Geothermal / ground-source
- Industrial process cooling
- Refrigeration in cold-storage > 50,000 sq ft (referral)
- Ammonia refrigeration systems
Stronger starting profile
Controls and supporting information.
- Residential split + ducted
- Small commercial rooftop units
- Maintenance contracts 30%+ of revenue
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 127
Business Auto Section
The business auto section used to organize the requested auto coverage, vehicle use, operating radius, garaging, and other fleet-level information. Vehicle and driver schedules may be required with it.
Read form guide →ACORD 129
Vehicle Schedule
ACORD 129 is the Vehicle Schedule used to list vehicles connected to a commercial auto submission. It organizes unit-level details such as identification, type, use, garaging, value, and requested physical damage treatment.
Read form guide →ACORD 163
Commercial Auto Driver Information Schedule
A schedule for driver-level information connected to a commercial auto submission. It supports review of driver eligibility, experience, vehicle assignment, and motor vehicle record history.
Read form guide →State detail
Published class-specific state notes.
No class-specific state override is published for this class. State availability and account facts still require current review.
Next step
Prepare the account for Hedge review.
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.