In current public appetite / 3 coverage guides
Accountants & CPAs
Accountants, CPAs, bookkeepers, and tax prep. Audit work reviewed individually. Open the public appetite page or a coverage-specific answer.
Open class appetite →Hedge/Business insurance by class
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Business insurance by class and coverage.
Direct answer. Choose the actual business class, then open the specific coverage question. Each guide preserves Hedge's public appetite label, published target, class-specific underwriting facts, related forms, and current-review boundary.
How to use this directory
Start with operations, not a generic label.
A class-and-coverage page is a research and preparation resource. It helps a retail agent identify the facts, forms, and questions likely to matter before Hedge reviews the account.
Public appetite is directional
A listed class or coverage does not prove appointment, product activation, submission route, carrier access, quote terms, or bind authority. Hedge confirms those states separately for the real account.
All classes
Find the narrowest useful answer.
In current public appetite / 2 coverage guides
Allied health PT, OT, chiropractic
Physical therapy, occupational therapy, chiropractic. Solo to multi-provider. Open the public appetite page or a coverage-specific answer.
Open class appetite →In current public appetite / 3 coverage guides
Apartment buildings & multi-family
Frame and joisted masonry up to 4 stories. 10-250 units. Updated roofs win. Open the public appetite page or a coverage-specific answer.
Open class appetite →Review case by case / 2 coverage guides
Architects & engineers
Design professionals, including residential architects and small AE firms. Structural reviewed individually. Open the public appetite page or a coverage-specific answer.
Open class appetite →Review case by case / 3 coverage guides
Auto body & paint shops
Collision and paint shops with permitted booth & venting. Open the public appetite page or a coverage-specific answer.
Open class appetite →In current public appetite / 3 coverage guides
Auto repair shops
Independent mechanics and small chains. Garagekeepers included. Open the public appetite page or a coverage-specific answer.
Open class appetite →Review case by case / 3 coverage guides
Bars & nightclubs
Bars and lounges with door control and trained staff. Nightclubs reviewed case-by-case. Open the public appetite page or a coverage-specific answer.
Open class appetite →In current public appetite / 5 coverage guides
Breweries & distilleries
Craft breweries, distilleries, and wineries. Taprooms welcome, weddings require special event review. Open the public appetite page or a coverage-specific answer.
Open class appetite →Review case by case / 3 coverage guides
Cannabis & hemp
Licensed dispensaries, cultivators, and CBD retailers in legal states. Manufacturing reviewed individually. Open the public appetite page or a coverage-specific answer.
Open class appetite →In current public appetite / 3 coverage guides
Churches & religious institutions
Churches and houses of worship. Day care or school inside reviewed as separate location. Open the public appetite page or a coverage-specific answer.
Open class appetite →In current public appetite / 3 coverage guides
Community association D&O
D&O for HOAs, condos, co-ops, PUDs, timeshares. Defense outside the limits, full prior acts, no Insured vs Insured exclusion. Open the public appetite page or a coverage-specific answer.
Open class appetite →In current public appetite / 1 coverage guides
Community association excess liability
$1M / $2M / $5M excess over CGL, Auto, EL, Garage Keepers, EBL, and D&O. Defense outside the limits with Crisis Response. Open the public appetite page or a coverage-specific answer.
Open class appetite →In current public appetite / 2 coverage guides
Consultants & advisors
Management, marketing, HR, strategy consultants. Misc E&O up to $5M. Open the public appetite page or a coverage-specific answer.
Open class appetite →Review case by case / 3 coverage guides
Convenience stores & gas stations
Convenience stores with or without gas. Pollution add-on for fuel storage. Open the public appetite page or a coverage-specific answer.
Open class appetite →In current public appetite / 2 coverage guides
Course of construction
Builder's risk for ground-up + renovation projects up to $25M completed value. 12-month policies standard. Open the public appetite page or a coverage-specific answer.
Open class appetite →In current public appetite / 1 coverage guides
Cyber for any commercial
Monoline cyber for any commercial risk. Quick quotes for revenue under $100M. Open the public appetite page or a coverage-specific answer.
Open class appetite →Review case by case / 3 coverage guides
Daycares & preschools
Licensed daycares and preschools, ages 2+. Infant care referred separately. Open the public appetite page or a coverage-specific answer.
Open class appetite →Review case by case / 3 coverage guides
Delivery & courier
Last-mile delivery, cargo vans, sprinter fleets. DSP-type operations referred case by case. Open the public appetite page or a coverage-specific answer.
Open class appetite →In current public appetite / 2 coverage guides
Ecommerce sellers
Physical-product sellers across Amazon, Shopify, Walmart, Etsy, eBay, wholesale, private-label and DTC channels. Product-liability and ecommerce CGL are the cleanest fit. Open the public appetite page or a coverage-specific answer.
Open class appetite →In current public appetite / 3 coverage guides
Electricians
Licensed electricians. Residential, light commercial, and small industrial. Solar with referral. Open the public appetite page or a coverage-specific answer.
Open class appetite →In current public appetite / 1 coverage guides
Employment Practices Liability
EPL for any commercial risk, including third-party (customer harassment). Open the public appetite page or a coverage-specific answer.
Open class appetite →Review case by case / 3 coverage guides
Environmental contractors
Asbestos, lead, and mold remediation. Heavy industrial cleanup referred individually. Open the public appetite page or a coverage-specific answer.
Open class appetite →In current public appetite / 4 coverage guides
Event production & rentals
Event planners, DJs, equipment rentals, tent companies. Festivals with > 5,000 attendees referred. Open the public appetite page or a coverage-specific answer.
Open class appetite →In current public appetite / 2 coverage guides
Fix-and-flip & rehab investor
Property + GL for active rehab and flip projects up to $3M TIV and 12 units. Vacant during renovation OK with permits. Open the public appetite page or a coverage-specific answer.
Open class appetite →In current public appetite / 4 coverage guides
Food trucks & mobile food
Food trucks and trailers with auto + property + GL on one file. Open the public appetite page or a coverage-specific answer.
Open class appetite →In current public appetite / 5 coverage guides
Full active appointment appetite
Current carrier-anonymous appetite guidance across property, casualty, professional, management and specialty lines. Search an exact NAICS code and pick a state to see the published fit and review conditions. Open the public appetite page or a coverage-specific answer.
Open class appetite →Review case by case / 4 coverage guides
General contractors
Residential and light commercial GCs. Sub-out percentage is the lever. Open the public appetite page or a coverage-specific answer.
Open class appetite →In current public appetite / 3 coverage guides
Gyms, fitness studios, yoga
Boutique fitness, yoga, pilates, and traditional gyms. CrossFit affiliates reviewed individually. Open the public appetite page or a coverage-specific answer.
Open class appetite →In current public appetite / 3 coverage guides
HVAC contractors
Residential and light commercial HVAC. Refrigeration commercial reviewed individually. Open the public appetite page or a coverage-specific answer.
Open class appetite →In current public appetite / 2 coverage guides
Insurance agents & brokers
Insurance agencies, retail and wholesale. P&C, L&H, or both. Open the public appetite page or a coverage-specific answer.
Open class appetite →In current public appetite / 2 coverage guides
IT services & MSPs
IT consultancies and managed service providers. Tech E&O + Cyber on one combined form. Open the public appetite page or a coverage-specific answer.
Open class appetite →In current public appetite / 2 coverage guides
Janitorial & cleaning services
Commercial and residential cleaning. Bonding included. Open the public appetite page or a coverage-specific answer.
Open class appetite →In current public appetite / 3 coverage guides
Landscapers & lawn care
Landscapers, lawn services, and small grounds-maintenance shops. Pesticide application sub'd separately. Open the public appetite page or a coverage-specific answer.
Open class appetite →In current public appetite / 3 coverage guides
Lawyers
Lawyers Professional Liability for solo practitioners and firms ≤ 50 attorneys. Open the public appetite page or a coverage-specific answer.
Open class appetite →In current public appetite / 4 coverage guides
Light manufacturers
Light manufacturing. consumer goods, food, apparel, light industrial. Heavy machinery referred. Open the public appetite page or a coverage-specific answer.
Open class appetite →In current public appetite / 1 coverage guides
PEO & staffing firm EPLI
EPLI for PEOs, staffing firms, ASOs, HROs, and EORs. Broad form including wage and hour, immigration, workplace violence. Auto nose-and-tail prevents client gaps. Open the public appetite page or a coverage-specific answer.
Open class appetite →In current public appetite / 3 coverage guides
Pest control
General pest, termite, and rodent control. Fumigation reviewed individually. Open the public appetite page or a coverage-specific answer.
Open class appetite →In current public appetite / 3 coverage guides
Plumbers
Licensed plumbers, residential and commercial. Backflow + new construction included. Open the public appetite page or a coverage-specific answer.
Open class appetite →In current public appetite / 2 coverage guides
Private company D&O
Private company D&O with EPL and Fiduciary tied in. PE-backed and venture-funded welcome. Open the public appetite page or a coverage-specific answer.
Open class appetite →In current public appetite / 4 coverage guides
Private K-12 schools
Private K-12, including religious and Montessori. Boarding schools referred separately. Open the public appetite page or a coverage-specific answer.
Open class appetite →In current public appetite / 2 coverage guides
Real estate agents & brokers
Real estate E&O for agents, brokerages, and property managers. Open the public appetite page or a coverage-specific answer.
Open class appetite →In current public appetite / 4 coverage guides
Restaurants
Sit-down, fast-casual, QSR. Liquor optional. Owner-operated wins. Open the public appetite page or a coverage-specific answer.
Open class appetite →Review case by case / 3 coverage guides
Roofing contractors
Residential roofing with subs verified. Commercial under 3 stories with referral. Open the public appetite page or a coverage-specific answer.
Open class appetite →In current public appetite / 3 coverage guides
Salons, spas, barbers
Hair, nail, esthetician services. Med spas with injectables reviewed separately. Open the public appetite page or a coverage-specific answer.
Open class appetite →In current public appetite / 3 coverage guides
Security guards Armed
Armed security officers, banks/retail/cash-in-transit posts. State-licensed, qualified annually. Assault & battery sub-limit available. Open the public appetite page or a coverage-specific answer.
Open class appetite →In current public appetite / 2 coverage guides
Security guards Event & crowd control
Event security and crowd control. Concerts, festivals, sporting events, conferences. Door staff and perimeter. Open the public appetite page or a coverage-specific answer.
Open class appetite →In current public appetite / 3 coverage guides
Security guards K9 patrol
K9 patrol with bite-trained or detection dogs. Yards, warehouses, construction sites, event perimeters. Open the public appetite page or a coverage-specific answer.
Open class appetite →In current public appetite / 3 coverage guides
Security guards Unarmed contract
Unarmed contract guards, commercial property and retail posts. Standing or roving. State-licensed crews welcomed. Open the public appetite page or a coverage-specific answer.
Open class appetite →In current public appetite / 3 coverage guides
Self-storage facilities
Outdoor and climate-controlled self-storage. Tenant insurance program available. Open the public appetite page or a coverage-specific answer.
Open class appetite →In current public appetite / 2 coverage guides
Single-family & 1-4 unit landlord
1-4 unit rental dwellings up to $1.5M TIV. Property + GL on one file, instant quote-to-bind for qualified files. Open the public appetite page or a coverage-specific answer.
Open class appetite →Review case by case / 4 coverage guides
Small medical clinics
Primary care, family medicine, internal medicine. Surgical referred separately. Open the public appetite page or a coverage-specific answer.
Open class appetite →In current public appetite / 4 coverage guides
Tech & SaaS companies
Tech & SaaS up to $100M revenue. Cyber + Tech E&O on one combined form. Open the public appetite page or a coverage-specific answer.
Open class appetite →Review case by case / 3 coverage guides
Tree trimming & removal
Tree trim and removal up to 50 ft. Bucket trucks OK. No crane work without referral. Open the public appetite page or a coverage-specific answer.
Open class appetite →In current public appetite / 3 coverage guides
Trucking small fleet (1-10 power units)
Local & regional trucking, 1-10 power units. Auto liability, cargo, and physical damage. Open the public appetite page or a coverage-specific answer.
Open class appetite →In current public appetite / 2 coverage guides
Vacant commercial buildings
Vacant & partially-occupied buildings up to 12 months. Renovation plan helps. Open the public appetite page or a coverage-specific answer.
Open class appetite →In current public appetite / 4 coverage guides
Warehouses & distribution
Dry warehouses, light distribution, 3PLs. Stock burdens reviewed individually. Open the public appetite page or a coverage-specific answer.
Open class appetite →