Construction
Hedge Contractors Supplemental
A fillable Hedge supplemental for contractors and construction operations.
View form and fillable PDF →Class and coverage guide
Commercial auto insurance for plumbers.
Commercial Auto and Trucking is included in Hedge's published target coverage for Plumbers 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. Licensed plumbers, residential and commercial. Backflow + new construction included.
Terms depend on the policy and account
Coverage depends on the issued forms, endorsements, exclusions, conditions, limits, and facts accepted by the insurer.
Plumbing contractor auto details
Commercial auto details for a plumbing contractor.
A plumbing contractor's commercial auto review starts with the vans, pickups, and other vehicles the business owns, leases, or regularly uses. The reviewing underwriter will also need to understand who drives each vehicle, service radius, garaging, annual mileage, personal or take-home use, and the account's auto loss history.
What to prepare
- Vehicle schedule with year, make, model, VIN, ownership, garaging address, use, and requested physical damage coverage
- Complete driver list with license details, vehicle assignments, and current motor vehicle records
- Normal service territory, longest trip, annual mileage, and any work across state lines
- Currently valued commercial auto loss runs, plus a direct explanation of material accidents, violations, or driver changes
- List of tools, parts, and equipment kept in vehicles so the property exposure can be reviewed separately
Keep auto and property questions separate
The $1 million combined single limit shown here is Hedge's public target for this class, not a quote or promise of terms. Tools, parts, and equipment carried in a van should be reviewed under the appropriate inland marine or property coverage instead of being assumed to be insured by the auto policy.
Underwriting facts
Facts that affect eligibility and terms.
- License copy
- % new construction vs. service
- Trenching depth max
- Number of trucks + drivers
Conditions that need closer review
- Heavy new-construction (> 50%)
- Trenching > 8 ft (excavation)
- Hydronics / heating systems
- Septic system installation as primary
- Industrial process piping
Stronger starting profile
Controls and supporting information.
- Licensed master plumber on staff
- Service-call business 70%+
- No deep trenching (< 8 ft)
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.