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
General Liability for Security guards Unarmed contract.
Direct answer. Commercial General Liability is included in Hedge's published target coverage for Security guards Unarmed contract under the line General Liability, with a published target of $1M / $2M. 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 general liability commonly addresses third-party bodily injury, property damage, and personal and advertising injury, subject to the actual policy terms, exclusions, and endorsements. Retail agents often seek wholesale review when the class, operations, loss history, subcontracting, height, completed operations, or requested terms fall outside admitted appetite.
Class context. Unarmed contract guards, commercial property and retail posts. Standing or roving. State-licensed crews welcomed.
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.
- 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 facts to surface.
- 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 125
Commercial Insurance Application Applicant Information Section
The applicant-information foundation for a commercial insurance submission. It organizes the named insured, business operations, locations, prior coverage, requested lines, and other account-level facts that line-specific sections build on.
Read form guide →ACORD 126
Commercial General Liability Section
The commercial general liability section used to organize premises, classifications, exposures, limits, products and completed operations, and other liability-specific information for an account.
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.