Construction
Hedge Contractors Supplemental
A fillable Hedge supplemental for contractors and construction operations.
View form and fillable PDF →Class and coverage guide
Inland Marine for HVAC contractors.
Direct answer. Inland Marine is included in Hedge's published target coverage for HVAC contractors under the line Inland Marine, with a published target of $25K. 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.
Inland marine insurance commonly covers specified movable property, property in transit, equipment, installation interests, or other property that does not fit a fixed-location property form. Wholesale review may be useful for unusual equipment, catastrophe exposure, theft controls, transit, valuation, or project-specific requirements.
Class context. Residential and light commercial HVAC. Refrigeration commercial reviewed 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 + 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 facts to surface.
- 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 152
Commercial Inland Marine Section
The commercial inland marine section used to organize movable property, equipment, property in transit, installation interests, or another inland marine exposure identified in the submission.
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
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.