Specialty classes
Hedge Security Guard and Alarm Supplemental
A fillable Hedge supplemental for security guard, patrol, alarm, and related operations.
View form and fillable PDF →Class and coverage guide
Commercial Auto for Security guards Armed.
Direct answer. Commercial Auto and Trucking is included in Hedge's published target coverage for Security guards Armed 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 context
What this coverage question means.
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. Armed security officers, banks/retail/cash-in-transit posts. State-licensed, qualified annually. Assault & battery sub-limit available.
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.
- Armed headcount + state firearm permits
- Annual range qualification records
- Use-of-force policy and de-escalation training hours
- Assault, battery, and discharge loss runs, 5 years
- Posts list (banks, retail, healthcare, government)
Conditions that need closer review
- Cash-in-transit (CIT) without armored-car form
- Concealed-carry assignments in residential settings
- Posts in high-crime neighborhoods with prior discharge claims
- Executive/dignitary protection (separate market)
- Private military / overseas contracts
- Off-duty police moonlighting under the agency's name
Stronger starting profile
Controls and facts to surface.
- Bank, ATM-servicing, and high-value retail posts
- State-licensed armed officers with annual qualification
- Documented de-escalation training and incident reporting
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 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
A schedule for identifying vehicles connected to a commercial auto submission. Accurate unit-level information helps the reviewing market understand ownership, type, use, 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
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.