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 Unarmed contract.
Commercial Auto and Trucking is included in Hedge's published target coverage for Security guards Unarmed contract under the line Commercial Auto (mobile patrol), 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. Unarmed contract guards, commercial property and retail posts. Standing or roving. State-licensed crews welcomed.
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.
- Headcount + post types (standing, roving, mobile patrol)
- State guard-card licensing in good standing
- Use-of-force policy and annual training hours
- Assault & battery loss runs, 5 years
- Contract review for hold-harmless wording
Conditions that need closer review
- Habitational/multifamily posts with prior incidents
- Hospital and behavioral-health security
- Construction-site overnight watch with no client COIs
- Executive protection and bodyguard work (see security-guard-event)
- Bar and nightclub bouncers (use bar-nightclub class)
- Repossession agents
- Off-duty police moonlighting
Stronger starting profile
Controls and supporting information.
- Commercial property, retail, and office posts
- State-licensed guards, documented training program
- Written use-of-force policy, no prior A&B losses
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
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.