California · General liability
A first liability policy for a new roofing business
Issued policy
A newly established roofing business obtained an issued general liability policy. Hedge handled the file through the quote, binder and policy handoff, and the retail agent confirmed receipt of the documents.
Read the account storyNew York · General and liquor liability
General and liquor liability for a bar after a lapse
Binder confirmed
A bar that reported a lapse in insurance obtained a binder for general and liquor liability. The binder included assault-and-battery exclusions on both lines, so the placement required attention to the actual coverage terms.
Read the account storyTexas · Commercial property
Reading a commercial property quote before binding
Issued policy
A retail agent asked about reducing liability on a property quote. Hedge clarified that the quoted limit applied to building and contents, explained the valuation terms, and handled the file through policy issuance.
Read the account storyNorth Carolina · General and professional liability
Correcting a residential-care policy after issuance
Issued policy and correction confirmed
For a residential-care facility, Hedge gathered outstanding underwriting documents and then identified a mismatch between the issued policy description and the state license. The underwriter sent an endorsement, and the agent confirmed the correction looked right.
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