{ "version": 1, "reviewed_at": "2026-08-29", "audience": "Licensed retail insurance professionals and authorized software agents", "authority_boundary": "These records are public preparation guidance. They do not prove appointment, product activation, submission route, market access, quote terms, or bind authority.", "records": [ { "class_slug": "accountant", "class_name": "Accountants & CPAs", "class_path": "/appetite/accountant", "coverage_slug": "misc-eo", "coverage_name": "Miscellaneous Professional Liability", "coverage_path": "/misc-eo", "path": "/appetite/accountant/misc-eo", "public_status": "In current public appetite", "published_line": "Accountants Professional Liability", "published_target": "$3M / $3M", "underwriting_facts": [ "Practice mix: tax / audit / bookkeeping / advisory", "Largest audit engagement (if any)", "Firm size", "% individual vs. business clients" ], "stronger_profile": [ "Tax prep + bookkeeping focus", "Small business clients < $50M revenue", "No SEC reporting clients" ], "closer_review": [ "Audit work for publicly traded clients", "Forensic accounting / litigation support", "Crypto / token tax work", "Auditor of broker-dealer / RIA", "Bank holding company audits" ], "hedge_form_paths": [ "/insurance-forms/hedge-miscellaneous-professional-liability-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-825-professional-specialty-applicant-section", "/insurance-form-guides/acord-832-miscellaneous-eo-section" ], "submission_requirements_path": "/submission-requirements/accountant" }, { "class_slug": "accountant", "class_name": "Accountants & CPAs", "class_path": "/appetite/accountant", "coverage_slug": "cyber-tech-eo", "coverage_name": "Cyber Liability and Technology E&O", "coverage_path": "/cyber-tech-eo", "path": "/appetite/accountant/cyber-tech-eo", "public_status": "In current public appetite", "published_line": "Cyber & Tech E&O", "published_target": "$2M / $2M", "underwriting_facts": [ "Practice mix: tax / audit / bookkeeping / advisory", "Largest audit engagement (if any)", "Firm size", "% individual vs. business clients" ], "stronger_profile": [ "Tax prep + bookkeeping focus", "Small business clients < $50M revenue", "No SEC reporting clients" ], "closer_review": [ "Audit work for publicly traded clients", "Forensic accounting / litigation support", "Crypto / token tax work", "Auditor of broker-dealer / RIA", "Bank holding company audits" ], "hedge_form_paths": [ "/insurance-forms/hedge-miscellaneous-professional-liability-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-834-cyber-and-privacy-coverage-section", "/insurance-form-guides/acord-180-technology-eo-section" ], "submission_requirements_path": "/submission-requirements/accountant" }, { "class_slug": "accountant", "class_name": "Accountants & CPAs", "class_path": "/appetite/accountant", "coverage_slug": "employment-practices", "coverage_name": "Employment Practices Liability", "coverage_path": "/employment-practices", "path": "/appetite/accountant/employment-practices", "public_status": "In current public appetite", "published_line": "EPL", "published_target": "$1M", "underwriting_facts": [ "Practice mix: tax / audit / bookkeeping / advisory", "Largest audit engagement (if any)", "Firm size", "% individual vs. business clients" ], "stronger_profile": [ "Tax prep + bookkeeping focus", "Small business clients < $50M revenue", "No SEC reporting clients" ], "closer_review": [ "Audit work for publicly traded clients", "Forensic accounting / litigation support", "Crypto / token tax work", "Auditor of broker-dealer / RIA", "Bank holding company audits" ], "hedge_form_paths": [ "/insurance-forms/hedge-miscellaneous-professional-liability-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-825-professional-specialty-applicant-section", "/insurance-form-guides/acord-827-employment-practices-liability-section" ], "submission_requirements_path": "/submission-requirements/accountant" }, { "class_slug": "allied-health", "class_name": "Allied health. PT, OT, chiropractic", "class_path": "/appetite/allied-health", "coverage_slug": "medical-malpractice", "coverage_name": "Medical Professional Liability", "coverage_path": "/medical-malpractice", "path": "/appetite/allied-health/medical-malpractice", "public_status": "In current public appetite", "published_line": "Medical Malpractice", "published_target": "$1M / $3M", "underwriting_facts": [ "Discipline + state license", "Provider count", "Modalities used (manipulation, electrotherapy, etc.)", "5-year claims history" ], "stronger_profile": [ "Outpatient PT/OT/chiro", "Provider-owned, < 10 providers", "Standard manual therapy" ], "closer_review": [ "High-velocity / upper cervical chiropractic", "PT inside a hospital network", "Aquatic therapy", "Cervical-only practices with prior claims", "Unlicensed massage practices" ], "hedge_form_paths": [ "/insurance-forms/hedge-allied-health-and-medical-professional-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-196-medical-professional-liability-application" ], "submission_requirements_path": "/submission-requirements/allied-health" }, { "class_slug": "allied-health", "class_name": "Allied health. PT, OT, chiropractic", "class_path": "/appetite/allied-health", "coverage_slug": "general-liability", "coverage_name": "Commercial General Liability", "coverage_path": "/general-liability", "path": "/appetite/allied-health/general-liability", "public_status": "In current public appetite", "published_line": "General Liability", "published_target": "$1M / $2M", "underwriting_facts": [ "Discipline + state license", "Provider count", "Modalities used (manipulation, electrotherapy, etc.)", "5-year claims history" ], "stronger_profile": [ "Outpatient PT/OT/chiro", "Provider-owned, < 10 providers", "Standard manual therapy" ], "closer_review": [ "High-velocity / upper cervical chiropractic", "PT inside a hospital network", "Aquatic therapy", "Cervical-only practices with prior claims", "Unlicensed massage practices" ], "hedge_form_paths": [ "/insurance-forms/hedge-allied-health-and-medical-professional-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-126-commercial-general-liability-section" ], "submission_requirements_path": "/submission-requirements/allied-health" }, { "class_slug": "habitational", "class_name": "Apartment buildings & multi-family", "class_path": "/appetite/habitational", "coverage_slug": "commercial-property", "coverage_name": "Commercial Property", "coverage_path": "/commercial-property", "path": "/appetite/habitational/commercial-property", "public_status": "In current public appetite", "published_line": "Commercial Property", "published_target": "$50M TIV / loc", "underwriting_facts": [ "5-year loss runs, all property + GL", "Statement of values with construction class", "Roof age & last replacement date", "Wiring (knob-and-tube? aluminum?)", "Plumbing material & last update", "Section 8 / HUD percentage if any" ], "stronger_profile": [ "10-200 units, pitched roof, frame or JM", "Roof replaced in last 15 years", "Updated plumbing + electrical", "Owner-occupied management" ], "closer_review": [ "Tier 1 wind coastal exposure", "Section 8 housing > 30% of units", "Frame > 4 stories", "Single-family & 1-4 unit rentals (use sfr-landlord)", "Vacant > 30 days at submission", "Boarded-up or condemned buildings", "Halfway / sober living houses" ], "hedge_form_paths": [ "/insurance-forms/hedge-habitational-and-apartment-supplemental", "/insurance-forms/hedge-schedule-of-locations-supplement", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-140-property-section" ], "submission_requirements_path": "/submission-requirements/habitational" }, { "class_slug": "habitational", "class_name": "Apartment buildings & multi-family", "class_path": "/appetite/habitational", "coverage_slug": "general-liability", "coverage_name": "Commercial General Liability", "coverage_path": "/general-liability", "path": "/appetite/habitational/general-liability", "public_status": "In current public appetite", "published_line": "General Liability", "published_target": "$1M / $2M", "underwriting_facts": [ "5-year loss runs, all property + GL", "Statement of values with construction class", "Roof age & last replacement date", "Wiring (knob-and-tube? aluminum?)", "Plumbing material & last update", "Section 8 / HUD percentage if any" ], "stronger_profile": [ "10-200 units, pitched roof, frame or JM", "Roof replaced in last 15 years", "Updated plumbing + electrical", "Owner-occupied management" ], "closer_review": [ "Tier 1 wind coastal exposure", "Section 8 housing > 30% of units", "Frame > 4 stories", "Single-family & 1-4 unit rentals (use sfr-landlord)", "Vacant > 30 days at submission", "Boarded-up or condemned buildings", "Halfway / sober living houses" ], "hedge_form_paths": [ "/insurance-forms/hedge-habitational-and-apartment-supplemental", "/insurance-forms/hedge-schedule-of-locations-supplement", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-126-commercial-general-liability-section" ], "submission_requirements_path": "/submission-requirements/habitational" }, { "class_slug": "habitational", "class_name": "Apartment buildings & multi-family", "class_path": "/appetite/habitational", "coverage_slug": "employment-practices", "coverage_name": "Employment Practices Liability", "coverage_path": "/employment-practices", "path": "/appetite/habitational/employment-practices", "public_status": "In current public appetite", "published_line": "EPL (HR-1 form)", "published_target": "$1M agg", "underwriting_facts": [ "5-year loss runs, all property + GL", "Statement of values with construction class", "Roof age & last replacement date", "Wiring (knob-and-tube? aluminum?)", "Plumbing material & last update", "Section 8 / HUD percentage if any" ], "stronger_profile": [ "10-200 units, pitched roof, frame or JM", "Roof replaced in last 15 years", "Updated plumbing + electrical", "Owner-occupied management" ], "closer_review": [ "Tier 1 wind coastal exposure", "Section 8 housing > 30% of units", "Frame > 4 stories", "Single-family & 1-4 unit rentals (use sfr-landlord)", "Vacant > 30 days at submission", "Boarded-up or condemned buildings", "Halfway / sober living houses" ], "hedge_form_paths": [ "/insurance-forms/hedge-habitational-and-apartment-supplemental", "/insurance-forms/hedge-schedule-of-locations-supplement", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-825-professional-specialty-applicant-section", "/insurance-form-guides/acord-827-employment-practices-liability-section" ], "submission_requirements_path": "/submission-requirements/habitational" }, { "class_slug": "architect-engineer", "class_name": "Architects & engineers", "class_path": "/appetite/architect-engineer", "coverage_slug": "misc-eo", "coverage_name": "Miscellaneous Professional Liability", "coverage_path": "/misc-eo", "path": "/appetite/architect-engineer/misc-eo", "public_status": "Review case by case", "published_line": "Architects & Engineers E&O", "published_target": "$5M / $5M", "underwriting_facts": [ "Discipline (architecture, civil, structural, MEP)", "Largest project last 5 years", "Annual revenue", "Loss history (claims-made for E&O)" ], "stronger_profile": [ "Residential + small commercial architects", "Civil engineering (sitework, surveying)", "Firms 5-25 employees" ], "closer_review": [ "Structural engineering for hospitals / bridges", "Geotechnical investigation as primary", "Mid-rise condo design (> 5 stories)", "High-rise residential design", "Bridge / tunnel structural lead", "Stadium / arena design" ], "hedge_form_paths": [ "/insurance-forms/hedge-miscellaneous-professional-liability-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-825-professional-specialty-applicant-section", "/insurance-form-guides/acord-832-miscellaneous-eo-section" ], "submission_requirements_path": "/submission-requirements/architect-engineer" }, { "class_slug": "architect-engineer", "class_name": "Architects & engineers", "class_path": "/appetite/architect-engineer", "coverage_slug": "general-liability", "coverage_name": "Commercial General Liability", "coverage_path": "/general-liability", "path": "/appetite/architect-engineer/general-liability", "public_status": "Review case by case", "published_line": "General Liability", "published_target": "$1M / $2M", "underwriting_facts": [ "Discipline (architecture, civil, structural, MEP)", "Largest project last 5 years", "Annual revenue", "Loss history (claims-made for E&O)" ], "stronger_profile": [ "Residential + small commercial architects", "Civil engineering (sitework, surveying)", "Firms 5-25 employees" ], "closer_review": [ "Structural engineering for hospitals / bridges", "Geotechnical investigation as primary", "Mid-rise condo design (> 5 stories)", "High-rise residential design", "Bridge / tunnel structural lead", "Stadium / arena design" ], "hedge_form_paths": [ "/insurance-forms/hedge-miscellaneous-professional-liability-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-126-commercial-general-liability-section" ], "submission_requirements_path": "/submission-requirements/architect-engineer" }, { "class_slug": "auto-body", "class_name": "Auto body & paint shops", "class_path": "/appetite/auto-body", "coverage_slug": "general-liability", "coverage_name": "Commercial General Liability", "coverage_path": "/general-liability", "path": "/appetite/auto-body/general-liability", "public_status": "Review case by case", "published_line": "General Liability", "published_target": "$1M / $2M", "underwriting_facts": [ "Paint booth permits + venting docs", "Air permit (where required by state)", "Solvent disposal vendor", "Lift count + customer cars max" ], "stronger_profile": [ "Permitted booth with active maintenance", "Insurance-direct repair shop", "No fleet / OEM exclusivity" ], "closer_review": [ "Older booth, no recent inspection", "On-site fuel storage > 500 gal", "Unpermitted paint operations", "Shops in residential zones without variance" ], "hedge_form_paths": [ "/insurance-forms/hedge-garage-and-auto-service-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-126-commercial-general-liability-section" ], "submission_requirements_path": "/submission-requirements/auto-body" }, { "class_slug": "auto-body", "class_name": "Auto body & paint shops", "class_path": "/appetite/auto-body", "coverage_slug": "commercial-property", "coverage_name": "Commercial Property", "coverage_path": "/commercial-property", "path": "/appetite/auto-body/commercial-property", "public_status": "Review case by case", "published_line": "Commercial Property", "published_target": "$2M / loc", "underwriting_facts": [ "Paint booth permits + venting docs", "Air permit (where required by state)", "Solvent disposal vendor", "Lift count + customer cars max" ], "stronger_profile": [ "Permitted booth with active maintenance", "Insurance-direct repair shop", "No fleet / OEM exclusivity" ], "closer_review": [ "Older booth, no recent inspection", "On-site fuel storage > 500 gal", "Unpermitted paint operations", "Shops in residential zones without variance" ], "hedge_form_paths": [ "/insurance-forms/hedge-garage-and-auto-service-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-140-property-section" ], "submission_requirements_path": "/submission-requirements/auto-body" }, { "class_slug": "auto-body", "class_name": "Auto body & paint shops", "class_path": "/appetite/auto-body", "coverage_slug": "environmental", "coverage_name": "Environmental and Pollution Liability", "coverage_path": "/environmental", "path": "/appetite/auto-body/environmental", "public_status": "Review case by case", "published_line": "Pollution", "published_target": "$500K", "underwriting_facts": [ "Paint booth permits + venting docs", "Air permit (where required by state)", "Solvent disposal vendor", "Lift count + customer cars max" ], "stronger_profile": [ "Permitted booth with active maintenance", "Insurance-direct repair shop", "No fleet / OEM exclusivity" ], "closer_review": [ "Older booth, no recent inspection", "On-site fuel storage > 500 gal", "Unpermitted paint operations", "Shops in residential zones without variance" ], "hedge_form_paths": [ "/insurance-forms/hedge-garage-and-auto-service-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-126-commercial-general-liability-section" ], "submission_requirements_path": "/submission-requirements/auto-body" }, { "class_slug": "auto-repair", "class_name": "Auto repair shops", "class_path": "/appetite/auto-repair", "coverage_slug": "general-liability", "coverage_name": "Commercial General Liability", "coverage_path": "/general-liability", "path": "/appetite/auto-repair/general-liability", "public_status": "In current public appetite", "published_line": "General Liability", "published_target": "$1M / $2M", "underwriting_facts": [ "Number of bays + lifts", "Customer cars on premises at any time", "Used oil disposal vendor", "Body work %", "Wash bay (pollution exposure)?" ], "stronger_profile": [ "Independent shops with 3+ bays", "No body work / paint booth", "Long-term lease, not roadside" ], "closer_review": [ "Heavy collision / paint work", "Off-road / racing modifications", "Tow service in addition", "Demolition / scrap operations", "Container-only shops with no permanent location" ], "hedge_form_paths": [ "/insurance-forms/hedge-garage-and-auto-service-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-126-commercial-general-liability-section" ], "submission_requirements_path": "/submission-requirements/auto-repair" }, { "class_slug": "auto-repair", "class_name": "Auto repair shops", "class_path": "/appetite/auto-repair", "coverage_slug": "commercial-property", "coverage_name": "Commercial Property", "coverage_path": "/commercial-property", "path": "/appetite/auto-repair/commercial-property", "public_status": "In current public appetite", "published_line": "Commercial Property", "published_target": "$2M / loc", "underwriting_facts": [ "Number of bays + lifts", "Customer cars on premises at any time", "Used oil disposal vendor", "Body work %", "Wash bay (pollution exposure)?" ], "stronger_profile": [ "Independent shops with 3+ bays", "No body work / paint booth", "Long-term lease, not roadside" ], "closer_review": [ "Heavy collision / paint work", "Off-road / racing modifications", "Tow service in addition", "Demolition / scrap operations", "Container-only shops with no permanent location" ], "hedge_form_paths": [ "/insurance-forms/hedge-garage-and-auto-service-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-140-property-section" ], "submission_requirements_path": "/submission-requirements/auto-repair" }, { "class_slug": "auto-repair", "class_name": "Auto repair shops", "class_path": "/appetite/auto-repair", "coverage_slug": "environmental", "coverage_name": "Environmental and Pollution Liability", "coverage_path": "/environmental", "path": "/appetite/auto-repair/environmental", "public_status": "In current public appetite", "published_line": "Pollution", "published_target": "$500K (waste oil)", "underwriting_facts": [ "Number of bays + lifts", "Customer cars on premises at any time", "Used oil disposal vendor", "Body work %", "Wash bay (pollution exposure)?" ], "stronger_profile": [ "Independent shops with 3+ bays", "No body work / paint booth", "Long-term lease, not roadside" ], "closer_review": [ "Heavy collision / paint work", "Off-road / racing modifications", "Tow service in addition", "Demolition / scrap operations", "Container-only shops with no permanent location" ], "hedge_form_paths": [ "/insurance-forms/hedge-garage-and-auto-service-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-126-commercial-general-liability-section" ], "submission_requirements_path": "/submission-requirements/auto-repair" }, { "class_slug": "bar-nightclub", "class_name": "Bars & nightclubs", "class_path": "/appetite/bar-nightclub", "coverage_slug": "general-liability", "coverage_name": "Commercial General Liability", "coverage_path": "/general-liability", "path": "/appetite/bar-nightclub/general-liability", "public_status": "Review case by case", "published_line": "General Liability", "published_target": "$1M / $2M", "underwriting_facts": [ "5-year loss runs (all lines)", "Door staff training & ID checks", "Closing hour + last call", "% revenue food vs. liquor", "Cover charge / dance floor?", "Incident log last 3 years" ], "stronger_profile": [ "Neighborhood bar with kitchen", "Trained door staff (TIPS or local equiv.)", "Cameras inside + on entry" ], "closer_review": [ "Dance club with cover charge", "Late-night (open past 2 AM)", "Prior assault & battery claims", "Strip clubs / adult venues", "Hookah-only lounges", "Underground / unlicensed venues" ], "hedge_form_paths": [ "/insurance-forms/hedge-restaurant-bar-and-tavern-supplemental", "/insurance-forms/hedge-liquor-liability-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-126-commercial-general-liability-section" ], "submission_requirements_path": "/submission-requirements/bar-nightclub" }, { "class_slug": "bar-nightclub", "class_name": "Bars & nightclubs", "class_path": "/appetite/bar-nightclub", "coverage_slug": "liquor-liability", "coverage_name": "Liquor Liability", "coverage_path": "/liquor-liability", "path": "/appetite/bar-nightclub/liquor-liability", "public_status": "Review case by case", "published_line": "Liquor Liability", "published_target": "$1M / $2M", "underwriting_facts": [ "5-year loss runs (all lines)", "Door staff training & ID checks", "Closing hour + last call", "% revenue food vs. liquor", "Cover charge / dance floor?", "Incident log last 3 years" ], "stronger_profile": [ "Neighborhood bar with kitchen", "Trained door staff (TIPS or local equiv.)", "Cameras inside + on entry" ], "closer_review": [ "Dance club with cover charge", "Late-night (open past 2 AM)", "Prior assault & battery claims", "Strip clubs / adult venues", "Hookah-only lounges", "Underground / unlicensed venues" ], "hedge_form_paths": [ "/insurance-forms/hedge-restaurant-bar-and-tavern-supplemental", "/insurance-forms/hedge-liquor-liability-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-803-liquor-liability-section" ], "submission_requirements_path": "/submission-requirements/bar-nightclub" }, { "class_slug": "bar-nightclub", "class_name": "Bars & nightclubs", "class_path": "/appetite/bar-nightclub", "coverage_slug": "commercial-property", "coverage_name": "Commercial Property", "coverage_path": "/commercial-property", "path": "/appetite/bar-nightclub/commercial-property", "public_status": "Review case by case", "published_line": "Commercial Property", "published_target": "$3M / loc", "underwriting_facts": [ "5-year loss runs (all lines)", "Door staff training & ID checks", "Closing hour + last call", "% revenue food vs. liquor", "Cover charge / dance floor?", "Incident log last 3 years" ], "stronger_profile": [ "Neighborhood bar with kitchen", "Trained door staff (TIPS or local equiv.)", "Cameras inside + on entry" ], "closer_review": [ "Dance club with cover charge", "Late-night (open past 2 AM)", "Prior assault & battery claims", "Strip clubs / adult venues", "Hookah-only lounges", "Underground / unlicensed venues" ], "hedge_form_paths": [ "/insurance-forms/hedge-restaurant-bar-and-tavern-supplemental", "/insurance-forms/hedge-liquor-liability-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-140-property-section" ], "submission_requirements_path": "/submission-requirements/bar-nightclub" }, { "class_slug": "brewery", "class_name": "Breweries & distilleries", "class_path": "/appetite/brewery", "coverage_slug": "commercial-property", "coverage_name": "Commercial Property", "coverage_path": "/commercial-property", "path": "/appetite/brewery/commercial-property", "public_status": "In current public appetite", "published_line": "Commercial Property", "published_target": "$10M / loc", "underwriting_facts": [ "Production volume (BBLs / cases per year)", "Distribution model (self-distribute, wholesale)", "Taproom + food service?", "Events held on premises?" ], "stronger_profile": [ "Craft brewery, < 25,000 BBLs / year", "Taproom with light food", "Distribution via wholesaler" ], "closer_review": [ "Self-distribution > 50 miles", "Cider / hard seltzer with sugar-based fermentation", "Weddings / large events", "Industrial-scale grain alcohol", "Unlicensed moonshine production" ], "hedge_form_paths": [ "/insurance-forms/hedge-restaurant-bar-and-tavern-supplemental", "/insurance-forms/hedge-liquor-liability-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-140-property-section" ], "submission_requirements_path": "/submission-requirements/brewery" }, { "class_slug": "brewery", "class_name": "Breweries & distilleries", "class_path": "/appetite/brewery", "coverage_slug": "general-liability", "coverage_name": "Commercial General Liability", "coverage_path": "/general-liability", "path": "/appetite/brewery/general-liability", "public_status": "In current public appetite", "published_line": "General Liability", "published_target": "$1M / $2M", "underwriting_facts": [ "Production volume (BBLs / cases per year)", "Distribution model (self-distribute, wholesale)", "Taproom + food service?", "Events held on premises?" ], "stronger_profile": [ "Craft brewery, < 25,000 BBLs / year", "Taproom with light food", "Distribution via wholesaler" ], "closer_review": [ "Self-distribution > 50 miles", "Cider / hard seltzer with sugar-based fermentation", "Weddings / large events", "Industrial-scale grain alcohol", "Unlicensed moonshine production" ], "hedge_form_paths": [ "/insurance-forms/hedge-restaurant-bar-and-tavern-supplemental", "/insurance-forms/hedge-liquor-liability-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-126-commercial-general-liability-section" ], "submission_requirements_path": "/submission-requirements/brewery" }, { "class_slug": "brewery", "class_name": "Breweries & distilleries", "class_path": "/appetite/brewery", "coverage_slug": "liquor-liability", "coverage_name": "Liquor Liability", "coverage_path": "/liquor-liability", "path": "/appetite/brewery/liquor-liability", "public_status": "In current public appetite", "published_line": "Liquor Liability", "published_target": "$1M / $2M", "underwriting_facts": [ "Production volume (BBLs / cases per year)", "Distribution model (self-distribute, wholesale)", "Taproom + food service?", "Events held on premises?" ], "stronger_profile": [ "Craft brewery, < 25,000 BBLs / year", "Taproom with light food", "Distribution via wholesaler" ], "closer_review": [ "Self-distribution > 50 miles", "Cider / hard seltzer with sugar-based fermentation", "Weddings / large events", "Industrial-scale grain alcohol", "Unlicensed moonshine production" ], "hedge_form_paths": [ "/insurance-forms/hedge-restaurant-bar-and-tavern-supplemental", "/insurance-forms/hedge-liquor-liability-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-803-liquor-liability-section" ], "submission_requirements_path": "/submission-requirements/brewery" }, { "class_slug": "brewery", "class_name": "Breweries & distilleries", "class_path": "/appetite/brewery", "coverage_slug": "product-liability", "coverage_name": "Products Liability", "coverage_path": "/product-liability", "path": "/appetite/brewery/product-liability", "public_status": "In current public appetite", "published_line": "Product Liability", "published_target": "$2M / $4M", "underwriting_facts": [ "Production volume (BBLs / cases per year)", "Distribution model (self-distribute, wholesale)", "Taproom + food service?", "Events held on premises?" ], "stronger_profile": [ "Craft brewery, < 25,000 BBLs / year", "Taproom with light food", "Distribution via wholesaler" ], "closer_review": [ "Self-distribution > 50 miles", "Cider / hard seltzer with sugar-based fermentation", "Weddings / large events", "Industrial-scale grain alcohol", "Unlicensed moonshine production" ], "hedge_form_paths": [ "/insurance-forms/hedge-restaurant-bar-and-tavern-supplemental", "/insurance-forms/hedge-liquor-liability-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-126-commercial-general-liability-section" ], "submission_requirements_path": "/submission-requirements/brewery" }, { "class_slug": "brewery", "class_name": "Breweries & distilleries", "class_path": "/appetite/brewery", "coverage_slug": "workers-compensation", "coverage_name": "Workers Compensation", "coverage_path": "/workers-compensation", "path": "/appetite/brewery/workers-compensation", "public_status": "In current public appetite", "published_line": "Workers' Comp (referral)", "published_target": "Statutory", "underwriting_facts": [ "Production volume (BBLs / cases per year)", "Distribution model (self-distribute, wholesale)", "Taproom + food service?", "Events held on premises?" ], "stronger_profile": [ "Craft brewery, < 25,000 BBLs / year", "Taproom with light food", "Distribution via wholesaler" ], "closer_review": [ "Self-distribution > 50 miles", "Cider / hard seltzer with sugar-based fermentation", "Weddings / large events", "Industrial-scale grain alcohol", "Unlicensed moonshine production" ], "hedge_form_paths": [ "/insurance-forms/hedge-restaurant-bar-and-tavern-supplemental", "/insurance-forms/hedge-liquor-liability-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-130-workers-compensation-application" ], "submission_requirements_path": "/submission-requirements/brewery" }, { "class_slug": "cannabis", "class_name": "Cannabis & hemp", "class_path": "/appetite/cannabis", "coverage_slug": "commercial-property", "coverage_name": "Commercial Property", "coverage_path": "/commercial-property", "path": "/appetite/cannabis/commercial-property", "public_status": "Review case by case", "published_line": "Commercial Property", "published_target": "$10M / loc", "underwriting_facts": [ "State license + license type", "Operation type (retail, cultivation, manufacturing, lab)", "Security plan (cameras, vault, alarm)", "Cash handling protocol", "Distribution partners" ], "stronger_profile": [ "Licensed retail dispensary", "Indoor cultivation in compliant facility", "CBD retail (hemp-derived)" ], "closer_review": [ "Extraction / concentrate manufacturing", "Edible / infused product manufacturing", "Delivery operations", "Unlicensed operations", "Federal-land or interstate transport", "Vape device manufacturing" ], "hedge_form_paths": [ "/insurance-forms/hedge-cannabis-and-hemp-supplemental", "/insurance-forms/hedge-products-liability-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-140-property-section" ], "submission_requirements_path": "/submission-requirements/cannabis" }, { "class_slug": "cannabis", "class_name": "Cannabis & hemp", "class_path": "/appetite/cannabis", "coverage_slug": "general-liability", "coverage_name": "Commercial General Liability", "coverage_path": "/general-liability", "path": "/appetite/cannabis/general-liability", "public_status": "Review case by case", "published_line": "General Liability", "published_target": "$1M / $2M", "underwriting_facts": [ "State license + license type", "Operation type (retail, cultivation, manufacturing, lab)", "Security plan (cameras, vault, alarm)", "Cash handling protocol", "Distribution partners" ], "stronger_profile": [ "Licensed retail dispensary", "Indoor cultivation in compliant facility", "CBD retail (hemp-derived)" ], "closer_review": [ "Extraction / concentrate manufacturing", "Edible / infused product manufacturing", "Delivery operations", "Unlicensed operations", "Federal-land or interstate transport", "Vape device manufacturing" ], "hedge_form_paths": [ "/insurance-forms/hedge-cannabis-and-hemp-supplemental", "/insurance-forms/hedge-products-liability-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-126-commercial-general-liability-section" ], "submission_requirements_path": "/submission-requirements/cannabis" }, { "class_slug": "cannabis", "class_name": "Cannabis & hemp", "class_path": "/appetite/cannabis", "coverage_slug": "product-liability", "coverage_name": "Products Liability", "coverage_path": "/product-liability", "path": "/appetite/cannabis/product-liability", "public_status": "Review case by case", "published_line": "Product Liability", "published_target": "$1M / $2M", "underwriting_facts": [ "State license + license type", "Operation type (retail, cultivation, manufacturing, lab)", "Security plan (cameras, vault, alarm)", "Cash handling protocol", "Distribution partners" ], "stronger_profile": [ "Licensed retail dispensary", "Indoor cultivation in compliant facility", "CBD retail (hemp-derived)" ], "closer_review": [ "Extraction / concentrate manufacturing", "Edible / infused product manufacturing", "Delivery operations", "Unlicensed operations", "Federal-land or interstate transport", "Vape device manufacturing" ], "hedge_form_paths": [ "/insurance-forms/hedge-cannabis-and-hemp-supplemental", "/insurance-forms/hedge-products-liability-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-126-commercial-general-liability-section" ], "submission_requirements_path": "/submission-requirements/cannabis" }, { "class_slug": "religious", "class_name": "Churches & religious institutions", "class_path": "/appetite/religious", "coverage_slug": "commercial-property", "coverage_name": "Commercial Property", "coverage_path": "/commercial-property", "path": "/appetite/religious/commercial-property", "public_status": "In current public appetite", "published_line": "Commercial Property", "published_target": "$10M / loc", "underwriting_facts": [ "Attendance (Sunday services)", "Daycare / preschool on premises?", "Counseling services offered?", "Background checks for staff/volunteers" ], "stronger_profile": [ "Established congregations, 50-500 attendance", "Daycare / school operated as separate entity", "Background-checked youth workers" ], "closer_review": [ "Megachurches > 2,000 attendance", "School + daycare under same EIN", "Foster placement / adoption services", "Healing-only ministries refusing medical care", "Buildings being condemned" ], "hedge_form_paths": [ "/insurance-forms/hedge-sexual-abuse-and-molestation-sam-supplemental", "/insurance-forms/hedge-social-services-and-human-services-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-140-property-section" ], "submission_requirements_path": "/submission-requirements/religious" }, { "class_slug": "religious", "class_name": "Churches & religious institutions", "class_path": "/appetite/religious", "coverage_slug": "general-liability", "coverage_name": "Commercial General Liability", "coverage_path": "/general-liability", "path": "/appetite/religious/general-liability", "public_status": "In current public appetite", "published_line": "General Liability", "published_target": "$1M / $2M", "underwriting_facts": [ "Attendance (Sunday services)", "Daycare / preschool on premises?", "Counseling services offered?", "Background checks for staff/volunteers" ], "stronger_profile": [ "Established congregations, 50-500 attendance", "Daycare / school operated as separate entity", "Background-checked youth workers" ], "closer_review": [ "Megachurches > 2,000 attendance", "School + daycare under same EIN", "Foster placement / adoption services", "Healing-only ministries refusing medical care", "Buildings being condemned" ], "hedge_form_paths": [ "/insurance-forms/hedge-sexual-abuse-and-molestation-sam-supplemental", "/insurance-forms/hedge-social-services-and-human-services-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-126-commercial-general-liability-section" ], "submission_requirements_path": "/submission-requirements/religious" }, { "class_slug": "religious", "class_name": "Churches & religious institutions", "class_path": "/appetite/religious", "coverage_slug": "misc-eo", "coverage_name": "Miscellaneous Professional Liability", "coverage_path": "/misc-eo", "path": "/appetite/religious/misc-eo", "public_status": "In current public appetite", "published_line": "Pastoral Counseling", "published_target": "$500K", "underwriting_facts": [ "Attendance (Sunday services)", "Daycare / preschool on premises?", "Counseling services offered?", "Background checks for staff/volunteers" ], "stronger_profile": [ "Established congregations, 50-500 attendance", "Daycare / school operated as separate entity", "Background-checked youth workers" ], "closer_review": [ "Megachurches > 2,000 attendance", "School + daycare under same EIN", "Foster placement / adoption services", "Healing-only ministries refusing medical care", "Buildings being condemned" ], "hedge_form_paths": [ "/insurance-forms/hedge-sexual-abuse-and-molestation-sam-supplemental", "/insurance-forms/hedge-social-services-and-human-services-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-825-professional-specialty-applicant-section", "/insurance-form-guides/acord-832-miscellaneous-eo-section" ], "submission_requirements_path": "/submission-requirements/religious" }, { "class_slug": "community-association-do", "class_name": "Community association D&O", "class_path": "/appetite/community-association-do", "coverage_slug": "management-liability", "coverage_name": "Management Liability", "coverage_path": "/management-liability", "path": "/appetite/community-association-do/management-liability", "public_status": "In current public appetite", "published_line": "D&O", "published_target": "$1M to $5M", "underwriting_facts": [ "Number of units and ownership mix", "Employee count (must be under 10)", "5-year D&O claims history", "Board minutes for past 12 months", "Governing documents (CC&Rs, bylaws)", "Any open or pending claims" ], "stronger_profile": [ "Associations under 1,000 units", "Fewer than 10 employees", "No open D&O claims", "Residential, commercial, or mixed-use" ], "closer_review": [ "Associations with pending architectural-review disputes", "Recent board turnover", "Mixed-use with retail tenants", "Associations over 1,000 units", "Associations with 10 or more employees", "Open D&O claims", "Master associations with sub-association exposure" ], "hedge_form_paths": [ "/insurance-forms/hedge-management-liability-d-and-o-epl-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-825-professional-specialty-applicant-section", "/insurance-form-guides/acord-807-directors-officers-liability-section" ], "submission_requirements_path": "/submission-requirements/community-association-do" }, { "class_slug": "community-association-do", "class_name": "Community association D&O", "class_path": "/appetite/community-association-do", "coverage_slug": "cyber-tech-eo", "coverage_name": "Cyber Liability and Technology E&O", "coverage_path": "/cyber-tech-eo", "path": "/appetite/community-association-do/cyber-tech-eo", "public_status": "In current public appetite", "published_line": "Cyber sub-limit", "published_target": "Optional (data breach, network security, privacy)", "underwriting_facts": [ "Number of units and ownership mix", "Employee count (must be under 10)", "5-year D&O claims history", "Board minutes for past 12 months", "Governing documents (CC&Rs, bylaws)", "Any open or pending claims" ], "stronger_profile": [ "Associations under 1,000 units", "Fewer than 10 employees", "No open D&O claims", "Residential, commercial, or mixed-use" ], "closer_review": [ "Associations with pending architectural-review disputes", "Recent board turnover", "Mixed-use with retail tenants", "Associations over 1,000 units", "Associations with 10 or more employees", "Open D&O claims", "Master associations with sub-association exposure" ], "hedge_form_paths": [ "/insurance-forms/hedge-management-liability-d-and-o-epl-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-834-cyber-and-privacy-coverage-section", "/insurance-form-guides/acord-180-technology-eo-section" ], "submission_requirements_path": "/submission-requirements/community-association-do" }, { "class_slug": "community-association-do", "class_name": "Community association D&O", "class_path": "/appetite/community-association-do", "coverage_slug": "employment-practices", "coverage_name": "Employment Practices Liability", "coverage_path": "/employment-practices", "path": "/appetite/community-association-do/employment-practices", "public_status": "In current public appetite", "published_line": "Wage & Hour / Workplace Violence / Immigration defense", "published_target": "$150K sublimit", "underwriting_facts": [ "Number of units and ownership mix", "Employee count (must be under 10)", "5-year D&O claims history", "Board minutes for past 12 months", "Governing documents (CC&Rs, bylaws)", "Any open or pending claims" ], "stronger_profile": [ "Associations under 1,000 units", "Fewer than 10 employees", "No open D&O claims", "Residential, commercial, or mixed-use" ], "closer_review": [ "Associations with pending architectural-review disputes", "Recent board turnover", "Mixed-use with retail tenants", "Associations over 1,000 units", "Associations with 10 or more employees", "Open D&O claims", "Master associations with sub-association exposure" ], "hedge_form_paths": [ "/insurance-forms/hedge-management-liability-d-and-o-epl-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-825-professional-specialty-applicant-section", "/insurance-form-guides/acord-827-employment-practices-liability-section" ], "submission_requirements_path": "/submission-requirements/community-association-do" }, { "class_slug": "community-association-excess", "class_name": "Community association excess liability", "class_path": "/appetite/community-association-excess", "coverage_slug": "commercial-umbrella-excess", "coverage_name": "Commercial Umbrella and Excess Liability", "coverage_path": "/commercial-umbrella-excess", "path": "/appetite/community-association-excess/commercial-umbrella-excess", "public_status": "In current public appetite", "published_line": "Excess Liability", "published_target": "$1M / $2M / $5M", "underwriting_facts": [ "Underlying limits and carriers (all lines)", "5-year loss runs for every underlying policy", "Schedule of amenities (pool, gym, marina, dock)", "Governing documents", "Owned auto count" ], "stronger_profile": [ "Condos, co-ops, HOAs, PUDs, timeshares", "Commercial and mixed-use associations", "Master associations under 1,000 units" ], "closer_review": [ "Mixed-use with retail tenants", "Recreational amenities (pool, gym, marina, dock)", "Associations with prior excess-layer claims", "Associations over 1,000 units", "Associations with 10 or more employees", "Associations with 3 or more owned autos", "Open liability claims" ], "hedge_form_paths": [ "/insurance-forms/hedge-management-liability-d-and-o-epl-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-131-umbrella-section" ], "submission_requirements_path": "/submission-requirements/community-association-excess" }, { "class_slug": "consultants-misc-eo", "class_name": "Consultants & advisors", "class_path": "/appetite/consultants-misc-eo", "coverage_slug": "misc-eo", "coverage_name": "Miscellaneous Professional Liability", "coverage_path": "/misc-eo", "path": "/appetite/consultants-misc-eo/misc-eo", "public_status": "In current public appetite", "published_line": "Miscellaneous E&O", "published_target": "$5M / $5M", "underwriting_facts": [ "Service description (in plain words)", "Average engagement fee", "Top 3 client industries", "Contracts: limitation of liability clauses?" ], "stronger_profile": [ "Management/marketing/HR consulting", "Engagements with signed SOWs and LoL clauses", "5+ years in business" ], "closer_review": [ "Financial / wealth advisors (separate RIA form)", "Lobbying / political consulting", "Crypto investment advice", "Securities trading recommendations", "Tax preparation (use accountants form)", "Legal advice without license" ], "hedge_form_paths": [ "/insurance-forms/hedge-miscellaneous-professional-liability-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-825-professional-specialty-applicant-section", "/insurance-form-guides/acord-832-miscellaneous-eo-section" ], "submission_requirements_path": "/submission-requirements/consultants-misc-eo" }, { "class_slug": "consultants-misc-eo", "class_name": "Consultants & advisors", "class_path": "/appetite/consultants-misc-eo", "coverage_slug": "general-liability", "coverage_name": "Commercial General Liability", "coverage_path": "/general-liability", "path": "/appetite/consultants-misc-eo/general-liability", "public_status": "In current public appetite", "published_line": "General Liability", "published_target": "$1M / $2M", "underwriting_facts": [ "Service description (in plain words)", "Average engagement fee", "Top 3 client industries", "Contracts: limitation of liability clauses?" ], "stronger_profile": [ "Management/marketing/HR consulting", "Engagements with signed SOWs and LoL clauses", "5+ years in business" ], "closer_review": [ "Financial / wealth advisors (separate RIA form)", "Lobbying / political consulting", "Crypto investment advice", "Securities trading recommendations", "Tax preparation (use accountants form)", "Legal advice without license" ], "hedge_form_paths": [ "/insurance-forms/hedge-miscellaneous-professional-liability-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-126-commercial-general-liability-section" ], "submission_requirements_path": "/submission-requirements/consultants-misc-eo" }, { "class_slug": "convenience-store", "class_name": "Convenience stores & gas stations", "class_path": "/appetite/convenience-store", "coverage_slug": "commercial-property", "coverage_name": "Commercial Property", "coverage_path": "/commercial-property", "path": "/appetite/convenience-store/commercial-property", "public_status": "Review case by case", "published_line": "Commercial Property", "published_target": "$2M / loc", "underwriting_facts": [ "Tank age, material, monitoring", "Last leak detection test", "Lottery / check cashing as % revenue", "Hours of operation", "Robbery history (5-year)" ], "stronger_profile": [ "Double-wall tanks, < 20 years old", "Monitored alarm + cameras", "Daytime/evening hours only" ], "closer_review": [ "24/7 single-attendant operation", "Single-wall steel tanks (replace plan helps)", "High-crime neighborhood", "Tanks > 30 years with no upgrade plan", "Active contamination on record" ], "hedge_form_paths": [ "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-140-property-section" ], "submission_requirements_path": "/submission-requirements/convenience-store" }, { "class_slug": "convenience-store", "class_name": "Convenience stores & gas stations", "class_path": "/appetite/convenience-store", "coverage_slug": "general-liability", "coverage_name": "Commercial General Liability", "coverage_path": "/general-liability", "path": "/appetite/convenience-store/general-liability", "public_status": "Review case by case", "published_line": "General Liability", "published_target": "$1M / $2M", "underwriting_facts": [ "Tank age, material, monitoring", "Last leak detection test", "Lottery / check cashing as % revenue", "Hours of operation", "Robbery history (5-year)" ], "stronger_profile": [ "Double-wall tanks, < 20 years old", "Monitored alarm + cameras", "Daytime/evening hours only" ], "closer_review": [ "24/7 single-attendant operation", "Single-wall steel tanks (replace plan helps)", "High-crime neighborhood", "Tanks > 30 years with no upgrade plan", "Active contamination on record" ], "hedge_form_paths": [ "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-126-commercial-general-liability-section" ], "submission_requirements_path": "/submission-requirements/convenience-store" }, { "class_slug": "convenience-store", "class_name": "Convenience stores & gas stations", "class_path": "/appetite/convenience-store", "coverage_slug": "environmental", "coverage_name": "Environmental and Pollution Liability", "coverage_path": "/environmental", "path": "/appetite/convenience-store/environmental", "public_status": "Review case by case", "published_line": "Storage Tank Pollution", "published_target": "$1M / $2M", "underwriting_facts": [ "Tank age, material, monitoring", "Last leak detection test", "Lottery / check cashing as % revenue", "Hours of operation", "Robbery history (5-year)" ], "stronger_profile": [ "Double-wall tanks, < 20 years old", "Monitored alarm + cameras", "Daytime/evening hours only" ], "closer_review": [ "24/7 single-attendant operation", "Single-wall steel tanks (replace plan helps)", "High-crime neighborhood", "Tanks > 30 years with no upgrade plan", "Active contamination on record" ], "hedge_form_paths": [ "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-126-commercial-general-liability-section" ], "submission_requirements_path": "/submission-requirements/convenience-store" }, { "class_slug": "construction-cof", "class_name": "Course of construction", "class_path": "/appetite/construction-cof", "coverage_slug": "builders-risk", "coverage_name": "Builders Risk", "coverage_path": "/builders-risk", "path": "/appetite/construction-cof/builders-risk", "public_status": "In current public appetite", "published_line": "Builder's Risk", "published_target": "$25M completed value", "underwriting_facts": [ "Total completed value", "Hard-cost breakdown + contractor", "Renovation: existing structure value", "Soft costs and ALE if needed", "Estimated completion date" ], "stronger_profile": [ "Ground-up commercial < $25M", "Licensed GC with 5+ years experience", "Sprinklered construction" ], "closer_review": [ "Mid-rise wood frame > 4 stories", "Sites with prior loss / theft history", "Out-of-state owners with local GC only", "Self-built owner / no licensed GC", "Wildfire WUI without active defensible space", "Residential fix-and-flip / rehab projects (use flip-rehab)" ], "hedge_form_paths": [ "/insurance-forms/hedge-builders-risk-supplemental", "/insurance-forms/hedge-contractors-supplemental", "/insurance-forms/hedge-schedule-of-locations-supplement", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-147-installation-builders-risk-section" ], "submission_requirements_path": "/submission-requirements/construction-cof" }, { "class_slug": "construction-cof", "class_name": "Course of construction", "class_path": "/appetite/construction-cof", "coverage_slug": "environmental", "coverage_name": "Environmental and Pollution Liability", "coverage_path": "/environmental", "path": "/appetite/construction-cof/environmental", "public_status": "In current public appetite", "published_line": "Pollution", "published_target": "$1M / $2M", "underwriting_facts": [ "Total completed value", "Hard-cost breakdown + contractor", "Renovation: existing structure value", "Soft costs and ALE if needed", "Estimated completion date" ], "stronger_profile": [ "Ground-up commercial < $25M", "Licensed GC with 5+ years experience", "Sprinklered construction" ], "closer_review": [ "Mid-rise wood frame > 4 stories", "Sites with prior loss / theft history", "Out-of-state owners with local GC only", "Self-built owner / no licensed GC", "Wildfire WUI without active defensible space", "Residential fix-and-flip / rehab projects (use flip-rehab)" ], "hedge_form_paths": [ "/insurance-forms/hedge-builders-risk-supplemental", "/insurance-forms/hedge-contractors-supplemental", "/insurance-forms/hedge-schedule-of-locations-supplement", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-126-commercial-general-liability-section" ], "submission_requirements_path": "/submission-requirements/construction-cof" }, { "class_slug": "cyber-only", "class_name": "Cyber for any commercial", "class_path": "/appetite/cyber-only", "coverage_slug": "cyber-tech-eo", "coverage_name": "Cyber Liability and Technology E&O", "coverage_path": "/cyber-tech-eo", "path": "/appetite/cyber-only/cyber-tech-eo", "public_status": "In current public appetite", "published_line": "Cyber Liability", "published_target": "$5M / $5M", "underwriting_facts": [ "Annual revenue", "Records count (PII / PHI / PCI)", "MFA on email + remote access?", "Endpoint protection (EDR)?", "Backups: frequency + offline copy?" ], "stronger_profile": [ "Revenue < $50M, MFA + EDR", "Backup-tested in last 6 months", "Email filtering with phishing rules" ], "closer_review": [ "Healthcare / law firm > $25M revenue", "No MFA on email (mandatory remediation)", "Prior breach in last 3 years", "Active ransomware incident", "Active forensic investigation", "Adult content" ], "hedge_form_paths": [ "/insurance-forms/hedge-cyber-and-technology-e-and-o-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-834-cyber-and-privacy-coverage-section", "/insurance-form-guides/acord-180-technology-eo-section" ], "submission_requirements_path": "/submission-requirements/cyber-only" }, { "class_slug": "daycare", "class_name": "Daycares & preschools", "class_path": "/appetite/daycare", "coverage_slug": "general-liability", "coverage_name": "Commercial General Liability", "coverage_path": "/general-liability", "path": "/appetite/daycare/general-liability", "public_status": "Review case by case", "published_line": "General Liability", "published_target": "$1M / $2M", "underwriting_facts": [ "State license + capacity", "Age ranges accepted", "Background check process", "Staff-to-child ratios", "Transportation services?" ], "stronger_profile": [ "Licensed centers, ages 2-5", "Background checks + fingerprinting", "No transportation" ], "closer_review": [ "Infants under 18 months", "Special needs care", "Pickup/drop-off transportation", "In-home daycare > 6 children", "Religious-exempt unlicensed care", "Foster care placement services" ], "hedge_form_paths": [ "/insurance-forms/hedge-sexual-abuse-and-molestation-sam-supplemental", "/insurance-forms/hedge-social-services-and-human-services-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-126-commercial-general-liability-section" ], "submission_requirements_path": "/submission-requirements/daycare" }, { "class_slug": "daycare", "class_name": "Daycares & 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"/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-825-professional-specialty-applicant-section", "/insurance-form-guides/acord-832-miscellaneous-eo-section" ], "submission_requirements_path": "/submission-requirements/daycare" }, { "class_slug": "daycare", "class_name": "Daycares & preschools", "class_path": "/appetite/daycare", "coverage_slug": "commercial-property", "coverage_name": "Commercial Property", "coverage_path": "/commercial-property", "path": "/appetite/daycare/commercial-property", "public_status": "Review case by case", "published_line": "Commercial Property", "published_target": "$2M / loc", "underwriting_facts": [ "State license + capacity", "Age ranges accepted", "Background check process", "Staff-to-child ratios", "Transportation services?" ], "stronger_profile": [ "Licensed centers, ages 2-5", "Background checks + fingerprinting", "No transportation" ], "closer_review": [ "Infants under 18 months", "Special needs care", "Pickup/drop-off transportation", "In-home daycare > 6 children", "Religious-exempt unlicensed care", "Foster care placement services" ], "hedge_form_paths": [ "/insurance-forms/hedge-sexual-abuse-and-molestation-sam-supplemental", "/insurance-forms/hedge-social-services-and-human-services-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-140-property-section" ], "submission_requirements_path": "/submission-requirements/daycare" }, { "class_slug": "delivery-courier", "class_name": "Delivery & courier", "class_path": "/appetite/delivery-courier", "coverage_slug": "commercial-auto", "coverage_name": "Commercial Auto and Trucking", "coverage_path": "/commercial-auto", "path": "/appetite/delivery-courier/commercial-auto", "public_status": "Review case by case", "published_line": "Commercial Auto", "published_target": "$1M CSL", "underwriting_facts": [ "Fleet size + vehicle types", "Contracts with Amazon/FedEx etc.", "Driver MVRs + 1099 vs. W-2", "Service area + hours" ], "stronger_profile": [ "W-2 drivers with local routes", "Contracted base, < 25 vans", "Daytime operations" ], "closer_review": [ "Amazon DSP (referral)", "1099 gig drivers (Uber/Doordash). separate program", "Long-haul courier with team drivers", "Refrigerated long-haul without temp-controlled forms", "Cash-in-transit / armored services" ], "hedge_form_paths": [ "/insurance-forms/hedge-commercial-auto-and-trucking-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-127-business-auto-section", "/insurance-form-guides/acord-129-vehicle-schedule", "/insurance-form-guides/acord-163-driver-information-schedule" ], "submission_requirements_path": "/submission-requirements/delivery-courier" }, { "class_slug": "delivery-courier", "class_name": "Delivery & 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"/insurance-form-guides/acord-152-commercial-inland-marine-section" ], "submission_requirements_path": "/submission-requirements/delivery-courier" }, { "class_slug": "delivery-courier", "class_name": "Delivery & courier", "class_path": "/appetite/delivery-courier", "coverage_slug": "general-liability", "coverage_name": "Commercial General Liability", "coverage_path": "/general-liability", "path": "/appetite/delivery-courier/general-liability", "public_status": "Review case by case", "published_line": "General Liability", "published_target": "$1M / $2M", "underwriting_facts": [ "Fleet size + vehicle types", "Contracts with Amazon/FedEx etc.", "Driver MVRs + 1099 vs. W-2", "Service area + hours" ], "stronger_profile": [ "W-2 drivers with local routes", "Contracted base, < 25 vans", "Daytime operations" ], "closer_review": [ "Amazon DSP (referral)", "1099 gig drivers (Uber/Doordash). separate program", "Long-haul courier with team drivers", "Refrigerated long-haul without temp-controlled 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"Product list with SKUs, materials, intended use and country of origin", "Annual and trailing-30-day sales by channel", "Import, manufacturing, private-label and distributor role", "Loss history, recalls, complaints and product safety documentation" ], "stronger_profile": [ "Physical-product sellers with live marketplace or storefront sales", "Marketplace seller with clean product descriptions and real sales history", "Private-label, imported, wholesale or DTC consumer goods", "Products liability and ecommerce CGL needed for marketplace compliance" ], "closer_review": [ "Property, inventory, BOP, cyber, WC, cargo, auto or umbrella needed alongside products liability", "Food, supplement, cosmetic, baby, toy, electronics or other recall-sensitive products", "Sellers without a connected store or credible sales data yet", "Digital-only services with no physical product", "Pure premises GL with no ecommerce or product-liability exposure", "Illegal products or products barred by marketplace rules" ], "hedge_form_paths": [ "/insurance-forms/hedge-manufacturing-supplemental", "/insurance-forms/hedge-products-liability-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-126-commercial-general-liability-section" ], "submission_requirements_path": "/submission-requirements/ecommerce-marketplace-sellers" }, { "class_slug": "electrician", "class_name": "Electricians", "class_path": "/appetite/electrician", "coverage_slug": "general-liability", "coverage_name": "Commercial General Liability", "coverage_path": "/general-liability", "path": "/appetite/electrician/general-liability", "public_status": "In current public appetite", "published_line": "General Liability", "published_target": "$1M / $2M", "underwriting_facts": [ "License copy", "% residential / commercial / industrial", "Voltage cap (low / med / high)", "Number of journeymen + apprentices" ], "stronger_profile": [ "Service work + small commercial", "Low-voltage wiring + outlets", "No high-voltage utility work" ], "closer_review": [ "Solar panel installation", "Generator / standby power", "High-voltage (> 600V) industrial work", "Utility line work (separate market)", "Substation / transformer work" ], "hedge_form_paths": [ "/insurance-forms/hedge-contractors-supplemental", "/insurance-forms/hedge-workers-compensation-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-126-commercial-general-liability-section" ], "submission_requirements_path": "/submission-requirements/electrician" }, { "class_slug": "electrician", "class_name": "Electricians", "class_path": "/appetite/electrician", "coverage_slug": "commercial-auto", "coverage_name": "Commercial Auto and Trucking", "coverage_path": "/commercial-auto", "path": "/appetite/electrician/commercial-auto", "public_status": "In current public appetite", "published_line": "Commercial Auto", "published_target": "$1M CSL", "underwriting_facts": [ "License copy", "% residential / commercial / industrial", "Voltage cap (low / med / high)", "Number of journeymen + apprentices" ], "stronger_profile": [ "Service work + small commercial", "Low-voltage wiring + outlets", "No high-voltage utility work" ], "closer_review": [ "Solar panel installation", "Generator / standby power", "High-voltage (> 600V) industrial work", "Utility line work (separate market)", "Substation / transformer work" ], "hedge_form_paths": [ "/insurance-forms/hedge-contractors-supplemental", "/insurance-forms/hedge-workers-compensation-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-127-business-auto-section", "/insurance-form-guides/acord-129-vehicle-schedule", "/insurance-form-guides/acord-163-driver-information-schedule" ], "submission_requirements_path": "/submission-requirements/electrician" }, { "class_slug": "electrician", "class_name": "Electricians", "class_path": "/appetite/electrician", "coverage_slug": "inland-marine", "coverage_name": "Inland Marine", "coverage_path": "/inland-marine", "path": "/appetite/electrician/inland-marine", "public_status": "In current public appetite", "published_line": "Inland Marine (tools)", "published_target": "$25K", "underwriting_facts": [ "License copy", "% residential / commercial / industrial", "Voltage cap (low / med / high)", "Number of journeymen + apprentices" ], "stronger_profile": [ "Service work + small commercial", "Low-voltage wiring + outlets", "No high-voltage utility work" ], "closer_review": [ "Solar panel installation", "Generator / standby power", "High-voltage (> 600V) industrial work", "Utility line work (separate market)", "Substation / transformer work" ], "hedge_form_paths": [ "/insurance-forms/hedge-contractors-supplemental", "/insurance-forms/hedge-workers-compensation-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-152-commercial-inland-marine-section" ], "submission_requirements_path": "/submission-requirements/electrician" }, { "class_slug": "epli-only", "class_name": "Employment Practices Liability", "class_path": "/appetite/epli-only", "coverage_slug": "employment-practices", "coverage_name": "Employment Practices Liability", "coverage_path": "/employment-practices", "path": "/appetite/epli-only/employment-practices", "public_status": "In current public appetite", "published_line": "EPL", "published_target": "$3M / $3M", "underwriting_facts": [ "Employee count + state breakdown", "HR function: in-house or outsourced?", "5-year claims history", "Recent layoffs / RIFs" ], "stronger_profile": [ "50-500 employees, in-house HR", "Standard handbook + training", "Clean claims history" ], "closer_review": [ "California-heavy workforce", "Recent layoffs in last 18 months", "Industries with high turnover (restaurants, retail)", "Active EEOC investigation", "Pending class-action (wage/hour, harassment)" ], "hedge_form_paths": [ "/insurance-forms/hedge-management-liability-d-and-o-epl-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-825-professional-specialty-applicant-section", "/insurance-form-guides/acord-827-employment-practices-liability-section" ], "submission_requirements_path": "/submission-requirements/epli-only" }, { "class_slug": "environmental-contractor", "class_name": "Environmental contractors", "class_path": "/appetite/environmental-contractor", "coverage_slug": "environmental", "coverage_name": "Environmental and Pollution Liability", "coverage_path": "/environmental", "path": "/appetite/environmental-contractor/environmental", "public_status": "Review case by case", "published_line": "Contractors Pollution Liability", "published_target": "$1M / $2M", "underwriting_facts": [ "License + certification (state)", "Type of work + % of revenue", "Project sizes (small to large)", "Subcontractors used?" ], "stronger_profile": [ "Mold remediation < $250K projects", "Lead abatement (residential)", "Asbestos abatement (Class III/IV trained)" ], "closer_review": [ "Class I/II asbestos (heavy)", "Industrial spill cleanup", "Demolition + abatement combined", "Nuclear / radioactive cleanup", "Pesticide hauling without specialty form" ], "hedge_form_paths": [ "/insurance-forms/hedge-environmental-and-pollution-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-126-commercial-general-liability-section" ], "submission_requirements_path": "/submission-requirements/environmental-contractor" }, { "class_slug": "environmental-contractor", "class_name": "Environmental contractors", "class_path": "/appetite/environmental-contractor", "coverage_slug": "misc-eo", "coverage_name": "Miscellaneous Professional Liability", "coverage_path": "/misc-eo", "path": "/appetite/environmental-contractor/misc-eo", "public_status": "Review case by case", "published_line": "Professional Liability", "published_target": "$1M / $2M", "underwriting_facts": [ "License + certification (state)", "Type of work + % of revenue", "Project sizes (small to large)", "Subcontractors used?" ], "stronger_profile": [ "Mold remediation < $250K projects", "Lead abatement (residential)", "Asbestos abatement (Class III/IV trained)" ], "closer_review": [ "Class I/II asbestos (heavy)", "Industrial spill cleanup", "Demolition + abatement combined", "Nuclear / radioactive cleanup", "Pesticide hauling without specialty form" ], "hedge_form_paths": [ "/insurance-forms/hedge-environmental-and-pollution-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-825-professional-specialty-applicant-section", "/insurance-form-guides/acord-832-miscellaneous-eo-section" ], "submission_requirements_path": "/submission-requirements/environmental-contractor" }, { "class_slug": "environmental-contractor", "class_name": "Environmental contractors", "class_path": "/appetite/environmental-contractor", "coverage_slug": "general-liability", "coverage_name": "Commercial General Liability", "coverage_path": "/general-liability", "path": "/appetite/environmental-contractor/general-liability", "public_status": "Review case by case", "published_line": "General Liability", "published_target": "$1M / $2M", "underwriting_facts": [ "License + certification (state)", "Type of work + % of revenue", "Project sizes (small to large)", "Subcontractors used?" ], "stronger_profile": [ "Mold remediation < $250K projects", "Lead abatement (residential)", "Asbestos abatement (Class III/IV trained)" ], "closer_review": [ "Class I/II asbestos (heavy)", "Industrial spill cleanup", "Demolition + abatement combined", "Nuclear / radioactive cleanup", "Pesticide hauling without specialty form" ], "hedge_form_paths": [ "/insurance-forms/hedge-environmental-and-pollution-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-126-commercial-general-liability-section" ], "submission_requirements_path": "/submission-requirements/environmental-contractor" }, { "class_slug": "cleaning-special-event", "class_name": "Event production & rentals", "class_path": "/appetite/cleaning-special-event", "coverage_slug": "general-liability", "coverage_name": "Commercial General Liability", "coverage_path": "/general-liability", "path": "/appetite/cleaning-special-event/general-liability", "public_status": "In current public appetite", "published_line": "General Liability", "published_target": "$1M / $2M", "underwriting_facts": [ "Service description (planning, rentals, DJ, etc.)", "Largest event capacity", "Equipment owned + value", "Alcohol service involved?" ], "stronger_profile": [ "Weddings, corporate events, < 1,000 guests", "Tent + table rentals", "DJ + lighting services" ], "closer_review": [ "Festivals > 5,000 attendees", "Pyrotechnics / fireworks displays", "Stage construction", "Concert venues with mosh pits", "Mechanical bulls / inflatables without separate form" ], "hedge_form_paths": [ "/insurance-forms/hedge-special-events-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-126-commercial-general-liability-section" ], "submission_requirements_path": "/submission-requirements/cleaning-special-event" }, { "class_slug": "cleaning-special-event", "class_name": "Event production & rentals", "class_path": "/appetite/cleaning-special-event", "coverage_slug": "inland-marine", "coverage_name": "Inland Marine", "coverage_path": "/inland-marine", "path": "/appetite/cleaning-special-event/inland-marine", "public_status": "In current public appetite", "published_line": "Inland Marine", "published_target": "$100K (equipment)", "underwriting_facts": [ "Service description (planning, rentals, DJ, etc.)", "Largest event capacity", "Equipment owned + value", "Alcohol service involved?" ], "stronger_profile": [ "Weddings, corporate events, < 1,000 guests", "Tent + table rentals", "DJ + lighting services" ], "closer_review": [ "Festivals > 5,000 attendees", "Pyrotechnics / fireworks displays", "Stage construction", "Concert venues with mosh pits", "Mechanical bulls / inflatables without separate form" ], "hedge_form_paths": [ "/insurance-forms/hedge-special-events-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-152-commercial-inland-marine-section" ], "submission_requirements_path": "/submission-requirements/cleaning-special-event" }, { "class_slug": "cleaning-special-event", "class_name": "Event production & rentals", "class_path": "/appetite/cleaning-special-event", "coverage_slug": "commercial-auto", "coverage_name": "Commercial Auto and Trucking", "coverage_path": "/commercial-auto", "path": "/appetite/cleaning-special-event/commercial-auto", "public_status": "In current public appetite", "published_line": "Hired & Non-Owned Auto", "published_target": "$1M", "underwriting_facts": [ "Service description (planning, rentals, DJ, etc.)", "Largest event capacity", "Equipment owned + value", "Alcohol service involved?" ], "stronger_profile": [ "Weddings, corporate events, < 1,000 guests", "Tent + table rentals", "DJ + lighting services" ], "closer_review": [ "Festivals > 5,000 attendees", "Pyrotechnics / fireworks displays", "Stage construction", "Concert venues with mosh pits", "Mechanical bulls / inflatables without separate form" ], "hedge_form_paths": [ "/insurance-forms/hedge-special-events-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-127-business-auto-section", "/insurance-form-guides/acord-129-vehicle-schedule", "/insurance-form-guides/acord-163-driver-information-schedule" ], "submission_requirements_path": "/submission-requirements/cleaning-special-event" }, { "class_slug": "cleaning-special-event", "class_name": "Event production & rentals", "class_path": "/appetite/cleaning-special-event", "coverage_slug": "misc-eo", "coverage_name": "Miscellaneous Professional Liability", "coverage_path": "/misc-eo", "path": "/appetite/cleaning-special-event/misc-eo", "public_status": "In current public appetite", "published_line": "Professional Liability", "published_target": "$1M (event planners)", "underwriting_facts": [ "Service description (planning, rentals, DJ, etc.)", "Largest event capacity", "Equipment owned + value", "Alcohol service involved?" ], "stronger_profile": [ "Weddings, corporate events, < 1,000 guests", "Tent + table rentals", "DJ + lighting services" ], "closer_review": [ "Festivals > 5,000 attendees", "Pyrotechnics / fireworks displays", "Stage construction", "Concert venues with mosh pits", "Mechanical bulls / inflatables without separate form" ], "hedge_form_paths": [ "/insurance-forms/hedge-special-events-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-825-professional-specialty-applicant-section", "/insurance-form-guides/acord-832-miscellaneous-eo-section" ], "submission_requirements_path": "/submission-requirements/cleaning-special-event" }, { "class_slug": "flip-rehab", "class_name": "Fix-and-flip & rehab investor", "class_path": "/appetite/flip-rehab", "coverage_slug": "commercial-property", "coverage_name": "Commercial Property", "coverage_path": "/commercial-property", "path": "/appetite/flip-rehab/commercial-property", "public_status": "In current public appetite", "published_line": "Commercial Property", "published_target": "$3M TIV / loc", "underwriting_facts": [ "Scope of work and renovation timeline", "Active building permits", "Contractor license and experience", "Total completed value", "Photos of all four elevations", "Anticipated completion date", "25% minimum earned premium acknowledgement" ], "stronger_profile": [ "Investors, GCs, house flippers on 1-4 unit residential", "Multi-family up to 12 units", "Structural and non-structural renovation", "Frame, joisted masonry, non-combustible, fire-resistive" ], "closer_review": [ "Vacant lots awaiting permits (case-by-case)", "Owner-occupied during partial rehab", "Tier 1 wind counties", "Historical structures", "Mobile, modular, or log homes", "Part-time / weekend renovations", "Ground-up new construction (see construction-cof class)", "Properties over $3M TIV or over 12 units", "Protection Class 9, 10, or 10W", "Pre-started renovations not previously insured here" ], "hedge_form_paths": [ "/insurance-forms/hedge-builders-risk-supplemental", "/insurance-forms/hedge-contractors-supplemental", "/insurance-forms/hedge-schedule-of-locations-supplement", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-140-property-section" ], "submission_requirements_path": "/submission-requirements/flip-rehab" }, { "class_slug": "flip-rehab", "class_name": "Fix-and-flip & rehab investor", "class_path": "/appetite/flip-rehab", "coverage_slug": "general-liability", "coverage_name": "Commercial General Liability", "coverage_path": "/general-liability", "path": "/appetite/flip-rehab/general-liability", "public_status": "In current public appetite", "published_line": "General Liability", "published_target": "$1M / $2M", "underwriting_facts": [ "Scope of work and renovation timeline", "Active building permits", "Contractor license and experience", "Total completed value", "Photos of all four elevations", "Anticipated completion date", "25% minimum earned premium acknowledgement" ], "stronger_profile": [ "Investors, GCs, house flippers on 1-4 unit residential", "Multi-family up to 12 units", "Structural and non-structural renovation", "Frame, joisted masonry, non-combustible, fire-resistive" ], "closer_review": [ "Vacant lots awaiting permits (case-by-case)", "Owner-occupied during partial rehab", "Tier 1 wind counties", "Historical structures", "Mobile, modular, or log homes", "Part-time / weekend renovations", "Ground-up new construction (see construction-cof class)", "Properties over $3M TIV or over 12 units", "Protection Class 9, 10, or 10W", "Pre-started renovations not previously insured here" ], "hedge_form_paths": [ "/insurance-forms/hedge-builders-risk-supplemental", "/insurance-forms/hedge-contractors-supplemental", "/insurance-forms/hedge-schedule-of-locations-supplement", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-126-commercial-general-liability-section" ], "submission_requirements_path": "/submission-requirements/flip-rehab" }, { "class_slug": "food-truck", "class_name": "Food trucks & mobile food", "class_path": "/appetite/food-truck", "coverage_slug": "general-liability", "coverage_name": "Commercial General Liability", "coverage_path": "/general-liability", "path": "/appetite/food-truck/general-liability", "public_status": "In current public appetite", "published_line": "General Liability", "published_target": "$1M / $2M", "underwriting_facts": [ "VIN + year + GVW of truck/trailer", "Driver MVRs", "Hood / ANSUL inspection date", "Service area (states/cities)", "Special events frequency" ], "stronger_profile": [ "Single-truck or small fleet (≤ 5)", "Owner-driver model", "Quarterly hood cleaning" ], "closer_review": [ "Festival / event-only operation", "Cross-country traveling", "Cannabis-infused products", "Trucks with prior fire loss > $50K", "No commercial license / no MVR" ], "hedge_form_paths": [ "/insurance-forms/hedge-restaurant-bar-and-tavern-supplemental", "/insurance-forms/hedge-liquor-liability-supplemental", "/insurance-forms/hedge-commercial-auto-and-trucking-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-126-commercial-general-liability-section" ], "submission_requirements_path": "/submission-requirements/food-truck" }, { "class_slug": "food-truck", "class_name": "Food trucks & mobile food", "class_path": "/appetite/food-truck", "coverage_slug": "commercial-auto", "coverage_name": "Commercial Auto and Trucking", "coverage_path": "/commercial-auto", "path": "/appetite/food-truck/commercial-auto", "public_status": "In current public appetite", "published_line": "Commercial Auto", "published_target": "$1M CSL", "underwriting_facts": [ "VIN + year + GVW of truck/trailer", "Driver MVRs", "Hood / ANSUL inspection date", "Service area (states/cities)", "Special events frequency" ], "stronger_profile": [ "Single-truck or small fleet (≤ 5)", "Owner-driver model", "Quarterly hood cleaning" ], "closer_review": [ "Festival / event-only operation", "Cross-country traveling", "Cannabis-infused products", "Trucks with prior fire loss > $50K", "No commercial license / no MVR" ], "hedge_form_paths": [ "/insurance-forms/hedge-restaurant-bar-and-tavern-supplemental", "/insurance-forms/hedge-liquor-liability-supplemental", "/insurance-forms/hedge-commercial-auto-and-trucking-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-127-business-auto-section", "/insurance-form-guides/acord-129-vehicle-schedule", "/insurance-form-guides/acord-163-driver-information-schedule" ], "submission_requirements_path": "/submission-requirements/food-truck" }, { "class_slug": "food-truck", "class_name": "Food trucks & mobile food", "class_path": "/appetite/food-truck", "coverage_slug": "inland-marine", "coverage_name": "Inland Marine", "coverage_path": "/inland-marine", "path": "/appetite/food-truck/inland-marine", "public_status": "In current public appetite", "published_line": "Inland Marine (equipment)", "published_target": "$100K", "underwriting_facts": [ "VIN + year + GVW of truck/trailer", "Driver MVRs", "Hood / ANSUL inspection date", "Service area (states/cities)", "Special events frequency" ], "stronger_profile": [ "Single-truck or small fleet (≤ 5)", "Owner-driver model", "Quarterly hood cleaning" ], "closer_review": [ "Festival / event-only operation", "Cross-country traveling", "Cannabis-infused products", "Trucks with prior fire loss > $50K", "No commercial license / no MVR" ], "hedge_form_paths": [ "/insurance-forms/hedge-restaurant-bar-and-tavern-supplemental", "/insurance-forms/hedge-liquor-liability-supplemental", "/insurance-forms/hedge-commercial-auto-and-trucking-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-152-commercial-inland-marine-section" ], "submission_requirements_path": "/submission-requirements/food-truck" }, { "class_slug": "food-truck", "class_name": "Food trucks & mobile food", "class_path": "/appetite/food-truck", "coverage_slug": "product-liability", "coverage_name": "Products Liability", "coverage_path": "/product-liability", "path": "/appetite/food-truck/product-liability", "public_status": "In current public appetite", "published_line": "Product Liability", "published_target": "Included in GL", "underwriting_facts": [ "VIN + year + GVW of truck/trailer", "Driver MVRs", "Hood / ANSUL inspection date", "Service area (states/cities)", "Special events frequency" ], "stronger_profile": [ "Single-truck or small fleet (≤ 5)", "Owner-driver model", "Quarterly hood cleaning" ], "closer_review": [ "Festival / event-only operation", "Cross-country traveling", "Cannabis-infused products", "Trucks with prior fire loss > $50K", "No commercial license / no MVR" ], "hedge_form_paths": [ "/insurance-forms/hedge-restaurant-bar-and-tavern-supplemental", "/insurance-forms/hedge-liquor-liability-supplemental", "/insurance-forms/hedge-commercial-auto-and-trucking-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-126-commercial-general-liability-section" ], "submission_requirements_path": "/submission-requirements/food-truck" }, { "class_slug": "active-appointment-appetite", "class_name": "Full active appointment appetite", "class_path": "/appetite/active-appointment-appetite", "coverage_slug": "general-liability", "coverage_name": "Commercial General Liability", "coverage_path": "/general-liability", "path": "/appetite/active-appointment-appetite/general-liability", "public_status": "In current public appetite", "published_line": "Commercial General Liability", "published_target": "Available", "underwriting_facts": [ "State, effective date and requested line of coverage", "Exact operations, NAICS or class code, revenue, payroll and location details", "Currently valued loss runs or a no-known-loss statement", "Prior carrier, expiring terms and requested limits", "Applications or supplements for the requested line", "Contracts, additional insured requirements and any special endorsements" ], "stronger_profile": [ "Accounts matching an active line and mapped NAICS or class-code fit", "Complete submission with operations, state, loss history and target coverage", "Retail agents who want a quick yes or review path before blocking a market", "Multi-line accounts where property, casualty, professional or specialty lines can be triaged together" ], "closer_review": [ "Unmapped NAICS but operations are adjacent to a supported class", "Cat, venue, regulatory, claims or product details that need underwriter review", "Lines with state-specific availability or program-specific eligibility", "New ventures or incomplete records where appetite exists but terms need review", "Risks barred by law or outside our licensing/placement authority", "Submissions with no operations description or no way to verify the exposure" ], "hedge_form_paths": [ "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-126-commercial-general-liability-section" ], "submission_requirements_path": "/submission-requirements/active-appointment-appetite" }, { "class_slug": "active-appointment-appetite", "class_name": "Full active appointment appetite", "class_path": "/appetite/active-appointment-appetite", "coverage_slug": "commercial-property", "coverage_name": "Commercial Property", "coverage_path": "/commercial-property", "path": "/appetite/active-appointment-appetite/commercial-property", "public_status": "In current public appetite", "published_line": "Commercial Property", "published_target": "Available", "underwriting_facts": [ "State, effective date and requested line of coverage", "Exact operations, NAICS or class code, revenue, payroll and location details", "Currently valued loss runs or a no-known-loss statement", "Prior carrier, expiring terms and requested limits", "Applications or supplements for the requested line", "Contracts, additional insured requirements 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"/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-140-property-section" ], "submission_requirements_path": "/submission-requirements/active-appointment-appetite" }, { "class_slug": "active-appointment-appetite", "class_name": "Full active appointment appetite", "class_path": "/appetite/active-appointment-appetite", "coverage_slug": "cyber-tech-eo", "coverage_name": "Cyber Liability and Technology E&O", "coverage_path": "/cyber-tech-eo", "path": "/appetite/active-appointment-appetite/cyber-tech-eo", "public_status": "In current public appetite", "published_line": "Cyber & Tech E&O", "published_target": "Available", "underwriting_facts": [ "State, effective date and requested line of coverage", "Exact operations, NAICS or class code, revenue, payroll and location details", "Currently valued loss runs or a no-known-loss statement", "Prior carrier, expiring terms and requested limits", "Applications or supplements for the requested line", "Contracts, additional insured requirements and any special endorsements" ], "stronger_profile": [ "Accounts matching an active line and mapped NAICS or class-code fit", "Complete submission with operations, state, loss history and target coverage", "Retail agents who want a quick yes or review path before blocking a market", "Multi-line accounts where property, casualty, professional or specialty lines can be triaged together" ], "closer_review": [ "Unmapped NAICS but operations are adjacent to a supported class", "Cat, venue, regulatory, claims or product details that need underwriter review", "Lines with state-specific availability or program-specific eligibility", "New ventures or incomplete records where appetite exists but terms need review", "Risks barred by law or outside our licensing/placement authority", "Submissions with no operations description or no way to verify the exposure" ], "hedge_form_paths": [ "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-834-cyber-and-privacy-coverage-section", "/insurance-form-guides/acord-180-technology-eo-section" ], "submission_requirements_path": "/submission-requirements/active-appointment-appetite" }, { "class_slug": "active-appointment-appetite", "class_name": "Full active appointment appetite", "class_path": "/appetite/active-appointment-appetite", "coverage_slug": "product-liability", "coverage_name": "Products Liability", "coverage_path": "/product-liability", "path": "/appetite/active-appointment-appetite/product-liability", "public_status": "In current public appetite", "published_line": "Products Liability", "published_target": "Available", "underwriting_facts": [ "State, effective date and requested line of coverage", "Exact operations, NAICS or class code, revenue, payroll and location details", "Currently valued loss runs or a no-known-loss statement", "Prior carrier, expiring terms and requested limits", "Applications or supplements for the requested line", "Contracts, additional insured requirements and any special endorsements" ], "stronger_profile": [ "Accounts matching an active line and mapped NAICS or class-code fit", "Complete submission with operations, state, loss history and target coverage", "Retail agents who want a quick yes or review path before blocking a market", "Multi-line accounts where property, casualty, professional or specialty lines can be triaged together" ], "closer_review": [ "Unmapped NAICS but operations are adjacent to a supported class", "Cat, venue, regulatory, claims or product details that need underwriter review", "Lines with state-specific availability or program-specific eligibility", "New ventures or incomplete records where appetite exists but terms need review", "Risks barred by law or outside our licensing/placement authority", "Submissions with no operations description or no way to verify the exposure" ], "hedge_form_paths": [ "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-126-commercial-general-liability-section" ], "submission_requirements_path": "/submission-requirements/active-appointment-appetite" }, { "class_slug": "active-appointment-appetite", "class_name": "Full active appointment appetite", "class_path": "/appetite/active-appointment-appetite", "coverage_slug": "workers-compensation", "coverage_name": "Workers Compensation", "coverage_path": "/workers-compensation", "path": "/appetite/active-appointment-appetite/workers-compensation", "public_status": "In current public appetite", "published_line": "Workers Compensation", "published_target": "State dependent", "underwriting_facts": [ "State, effective date and requested line of coverage", "Exact operations, NAICS or class code, revenue, payroll and location details", "Currently valued loss runs or a no-known-loss statement", "Prior carrier, expiring terms and requested limits", "Applications or supplements for the requested line", "Contracts, additional insured requirements and any special endorsements" ], "stronger_profile": [ "Accounts matching an active line and mapped NAICS or class-code fit", "Complete submission with operations, state, loss history and target coverage", "Retail agents who want a quick yes or review path before blocking a market", "Multi-line accounts where property, casualty, professional or specialty lines can be triaged together" ], "closer_review": [ "Unmapped NAICS but operations are adjacent to a supported class", "Cat, venue, regulatory, claims or product details that need underwriter review", "Lines with state-specific availability or program-specific eligibility", "New ventures or incomplete records where appetite exists but terms need review", "Risks barred by law or outside our licensing/placement authority", "Submissions with no operations description or no way to verify the exposure" ], "hedge_form_paths": [ "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-130-workers-compensation-application" ], "submission_requirements_path": "/submission-requirements/active-appointment-appetite" }, { "class_slug": "general-contractor", "class_name": "General contractors", "class_path": "/appetite/general-contractor", "coverage_slug": "general-liability", "coverage_name": "Commercial General Liability", "coverage_path": "/general-liability", "path": "/appetite/general-contractor/general-liability", "public_status": "Review case by case", "published_line": "General Liability", "published_target": "$1M / $2M", "underwriting_facts": [ "% subcontracted vs. self-performed", "Largest project completed value", "Subcontractor COI verification process", "Hold-harmless agreement template", "Residential vs. commercial mix" ], "stronger_profile": [ "GC subbing 80%+ of work", "All subs with $1M GL + WC", "Projects under $10M completed value" ], "closer_review": [ "Self-performing > 30% of trade work", "Condo / townhouse new construction", "Mid-rise wood frame", "Bridge / tunnel / heavy civil", "Demolition as primary", "GC with no signed subcontracts" ], "hedge_form_paths": [ "/insurance-forms/hedge-contractors-supplemental", "/insurance-forms/hedge-workers-compensation-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-126-commercial-general-liability-section" ], "submission_requirements_path": "/submission-requirements/general-contractor" }, { "class_slug": "general-contractor", "class_name": "General contractors", "class_path": "/appetite/general-contractor", "coverage_slug": "commercial-auto", "coverage_name": "Commercial Auto and Trucking", "coverage_path": "/commercial-auto", "path": "/appetite/general-contractor/commercial-auto", "public_status": "Review case by case", "published_line": "Commercial Auto", "published_target": "$1M CSL", "underwriting_facts": [ "% subcontracted vs. self-performed", "Largest project completed value", "Subcontractor COI verification process", "Hold-harmless agreement template", "Residential vs. commercial mix" ], "stronger_profile": [ "GC subbing 80%+ of work", "All subs with $1M GL + WC", "Projects under $10M completed value" ], "closer_review": [ "Self-performing > 30% of trade work", "Condo / townhouse new construction", "Mid-rise wood frame", "Bridge / tunnel / heavy civil", "Demolition as primary", "GC with no signed subcontracts" ], "hedge_form_paths": [ "/insurance-forms/hedge-contractors-supplemental", "/insurance-forms/hedge-workers-compensation-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-127-business-auto-section", "/insurance-form-guides/acord-129-vehicle-schedule", "/insurance-form-guides/acord-163-driver-information-schedule" ], "submission_requirements_path": "/submission-requirements/general-contractor" }, { "class_slug": "general-contractor", "class_name": "General contractors", "class_path": "/appetite/general-contractor", "coverage_slug": "builders-risk", "coverage_name": "Builders Risk", "coverage_path": "/builders-risk", "path": "/appetite/general-contractor/builders-risk", "public_status": "Review case by case", "published_line": "Builder's Risk", "published_target": "Per project", "underwriting_facts": [ "% subcontracted vs. self-performed", "Largest project completed value", "Subcontractor COI verification process", "Hold-harmless agreement template", "Residential vs. commercial mix" ], "stronger_profile": [ "GC subbing 80%+ of work", "All subs with $1M GL + WC", "Projects under $10M completed value" ], "closer_review": [ "Self-performing > 30% of trade work", "Condo / townhouse new construction", "Mid-rise wood frame", "Bridge / tunnel / heavy civil", "Demolition as primary", "GC with no signed subcontracts" ], "hedge_form_paths": [ "/insurance-forms/hedge-contractors-supplemental", "/insurance-forms/hedge-workers-compensation-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-147-installation-builders-risk-section" ], "submission_requirements_path": "/submission-requirements/general-contractor" }, { "class_slug": "general-contractor", "class_name": "General contractors", "class_path": "/appetite/general-contractor", "coverage_slug": "environmental", "coverage_name": "Environmental and Pollution Liability", "coverage_path": "/environmental", "path": "/appetite/general-contractor/environmental", "public_status": "Review case by case", "published_line": "Pollution (subs)", "published_target": "$1M", "underwriting_facts": [ "% subcontracted vs. self-performed", "Largest project completed value", "Subcontractor COI verification process", "Hold-harmless agreement template", "Residential vs. commercial mix" ], "stronger_profile": [ "GC subbing 80%+ of work", "All subs with $1M GL + WC", "Projects under $10M completed value" ], "closer_review": [ "Self-performing > 30% of trade work", "Condo / townhouse new construction", "Mid-rise wood frame", "Bridge / tunnel / heavy civil", "Demolition as primary", "GC with no signed subcontracts" ], "hedge_form_paths": [ "/insurance-forms/hedge-contractors-supplemental", "/insurance-forms/hedge-workers-compensation-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-126-commercial-general-liability-section" ], "submission_requirements_path": "/submission-requirements/general-contractor" }, { "class_slug": "fitness-gym", "class_name": "Gyms, fitness studios, yoga", "class_path": "/appetite/fitness-gym", "coverage_slug": "general-liability", "coverage_name": "Commercial General Liability", "coverage_path": "/general-liability", "path": "/appetite/fitness-gym/general-liability", "public_status": "In current public appetite", "published_line": "General Liability", "published_target": "$1M / $2M", "underwriting_facts": [ "Class types + max class size", "Member waiver template", "Trainer certifications", "Pool / sauna on premises?" ], "stronger_profile": [ "Yoga, pilates, barre, spin", "Trained instructors with national certs", "Signed liability waivers per member" ], "closer_review": [ "CrossFit / Olympic lifting", "Trampoline / aerial fitness", "Combat sports gyms (MMA, boxing)", "Trampoline parks (separate market)", "Inflatable obstacle courses", "Boxing rings with paid spectators" ], "hedge_form_paths": [ "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-126-commercial-general-liability-section" ], "submission_requirements_path": "/submission-requirements/fitness-gym" }, { "class_slug": "fitness-gym", "class_name": "Gyms, fitness studios, yoga", "class_path": "/appetite/fitness-gym", "coverage_slug": "misc-eo", "coverage_name": "Miscellaneous Professional Liability", "coverage_path": "/misc-eo", "path": "/appetite/fitness-gym/misc-eo", "public_status": "In current public appetite", "published_line": "Professional Liability (trainers)", "published_target": "$1M / $2M", "underwriting_facts": [ "Class types + max class size", "Member waiver template", "Trainer certifications", "Pool / sauna on premises?" ], "stronger_profile": [ "Yoga, pilates, barre, spin", "Trained instructors with national certs", "Signed liability waivers per member" ], "closer_review": [ "CrossFit / Olympic lifting", "Trampoline / aerial fitness", "Combat sports gyms (MMA, boxing)", "Trampoline parks (separate market)", "Inflatable obstacle courses", "Boxing rings with paid spectators" ], "hedge_form_paths": [ "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-825-professional-specialty-applicant-section", "/insurance-form-guides/acord-832-miscellaneous-eo-section" ], "submission_requirements_path": "/submission-requirements/fitness-gym" }, { "class_slug": "fitness-gym", "class_name": "Gyms, fitness studios, yoga", "class_path": "/appetite/fitness-gym", "coverage_slug": "commercial-property", "coverage_name": "Commercial Property", "coverage_path": "/commercial-property", "path": "/appetite/fitness-gym/commercial-property", "public_status": "In current public appetite", "published_line": "Commercial Property", "published_target": "$2M / loc", "underwriting_facts": [ "Class types + max class size", "Member waiver template", "Trainer certifications", "Pool / sauna on premises?" ], "stronger_profile": [ "Yoga, pilates, barre, spin", "Trained instructors with national certs", "Signed liability waivers per member" ], "closer_review": [ "CrossFit / Olympic lifting", "Trampoline / aerial fitness", "Combat sports gyms (MMA, boxing)", "Trampoline parks (separate market)", "Inflatable obstacle courses", "Boxing rings with paid spectators" ], "hedge_form_paths": [ "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-140-property-section" ], "submission_requirements_path": "/submission-requirements/fitness-gym" }, { "class_slug": "hvac", "class_name": "HVAC contractors", "class_path": "/appetite/hvac", "coverage_slug": "general-liability", "coverage_name": "Commercial General Liability", "coverage_path": "/general-liability", "path": "/appetite/hvac/general-liability", "public_status": "In current public appetite", "published_line": "General Liability", "published_target": "$1M / $2M", "underwriting_facts": [ "License + EPA refrigerant cert", "% residential / commercial", "Refrigeration commercial?", "Number of trucks + technicians" ], "stronger_profile": [ "Residential split + ducted", "Small commercial rooftop units", "Maintenance contracts 30%+ of revenue" ], "closer_review": [ "Commercial refrigeration (grocery, ice)", "Geothermal / ground-source", "Industrial process cooling", "Refrigeration in cold-storage > 50,000 sq ft (referral)", "Ammonia refrigeration systems" ], "hedge_form_paths": [ "/insurance-forms/hedge-contractors-supplemental", "/insurance-forms/hedge-workers-compensation-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-126-commercial-general-liability-section" ], "submission_requirements_path": "/submission-requirements/hvac" }, { "class_slug": "hvac", "class_name": "HVAC contractors", "class_path": "/appetite/hvac", "coverage_slug": "commercial-auto", "coverage_name": "Commercial Auto and Trucking", "coverage_path": "/commercial-auto", "path": "/appetite/hvac/commercial-auto", "public_status": "In current public appetite", "published_line": "Commercial Auto", "published_target": "$1M CSL", "underwriting_facts": [ "License + EPA refrigerant cert", "% residential / commercial", "Refrigeration commercial?", "Number of trucks + technicians" ], "stronger_profile": [ "Residential split + ducted", "Small commercial rooftop units", "Maintenance contracts 30%+ of revenue" ], "closer_review": [ "Commercial refrigeration (grocery, ice)", "Geothermal / ground-source", "Industrial process cooling", "Refrigeration in cold-storage > 50,000 sq ft (referral)", "Ammonia refrigeration systems" ], "hedge_form_paths": [ "/insurance-forms/hedge-contractors-supplemental", "/insurance-forms/hedge-workers-compensation-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-127-business-auto-section", "/insurance-form-guides/acord-129-vehicle-schedule", "/insurance-form-guides/acord-163-driver-information-schedule" ], "submission_requirements_path": "/submission-requirements/hvac" }, { "class_slug": "hvac", "class_name": "HVAC contractors", "class_path": "/appetite/hvac", "coverage_slug": "inland-marine", "coverage_name": "Inland Marine", "coverage_path": "/inland-marine", "path": "/appetite/hvac/inland-marine", "public_status": "In current public appetite", "published_line": "Inland Marine", "published_target": "$25K", "underwriting_facts": [ "License + EPA refrigerant cert", "% residential / commercial", "Refrigeration commercial?", "Number of trucks + technicians" ], "stronger_profile": [ "Residential split + ducted", "Small commercial rooftop units", "Maintenance contracts 30%+ of revenue" ], "closer_review": [ "Commercial refrigeration (grocery, ice)", "Geothermal / ground-source", "Industrial process cooling", "Refrigeration in cold-storage > 50,000 sq ft (referral)", "Ammonia refrigeration systems" ], "hedge_form_paths": [ "/insurance-forms/hedge-contractors-supplemental", "/insurance-forms/hedge-workers-compensation-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-152-commercial-inland-marine-section" ], "submission_requirements_path": "/submission-requirements/hvac" }, { "class_slug": "insurance-agent", "class_name": "Insurance agents & brokers", "class_path": "/appetite/insurance-agent", "coverage_slug": "misc-eo", "coverage_name": "Miscellaneous Professional Liability", "coverage_path": "/misc-eo", "path": "/appetite/insurance-agent/misc-eo", "public_status": "In current public appetite", "published_line": "Insurance Agents E&O", "published_target": "$5M / $5M", "underwriting_facts": [ "Retail / wholesale / MGA mix", "Carriers represented (count)", "% commercial vs. personal lines", "Revenue" ], "stronger_profile": [ "Retail P&C agencies, < $20M revenue", "Established carrier appointments", "Standard product mix" ], "closer_review": [ "Wholesale brokerage > $50M revenue", "MGA programs with binding authority", "Crop insurance specialty", "Suspended licenses", "Active state department investigation" ], "hedge_form_paths": [ "/insurance-forms/hedge-miscellaneous-professional-liability-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-825-professional-specialty-applicant-section", "/insurance-form-guides/acord-832-miscellaneous-eo-section" ], "submission_requirements_path": "/submission-requirements/insurance-agent" }, { "class_slug": "insurance-agent", "class_name": "Insurance agents & brokers", "class_path": "/appetite/insurance-agent", "coverage_slug": "cyber-tech-eo", "coverage_name": "Cyber Liability and Technology E&O", "coverage_path": "/cyber-tech-eo", "path": "/appetite/insurance-agent/cyber-tech-eo", "public_status": "In current public appetite", "published_line": "Cyber & Tech E&O", "published_target": "$2M / $2M", "underwriting_facts": [ "Retail / wholesale / MGA mix", "Carriers represented (count)", "% commercial vs. personal lines", "Revenue" ], "stronger_profile": [ "Retail P&C agencies, < $20M revenue", "Established carrier appointments", "Standard product mix" ], "closer_review": [ "Wholesale brokerage > $50M revenue", "MGA programs with binding authority", "Crop insurance specialty", "Suspended licenses", "Active state department investigation" ], "hedge_form_paths": [ "/insurance-forms/hedge-miscellaneous-professional-liability-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-834-cyber-and-privacy-coverage-section", "/insurance-form-guides/acord-180-technology-eo-section" ], "submission_requirements_path": "/submission-requirements/insurance-agent" }, { "class_slug": "msp", "class_name": "IT services & MSPs", "class_path": "/appetite/msp", "coverage_slug": "cyber-tech-eo", "coverage_name": "Cyber Liability and Technology E&O", "coverage_path": "/cyber-tech-eo", "path": "/appetite/msp/cyber-tech-eo", "public_status": "In current public appetite", "published_line": "Cyber & Tech E&O", "published_target": "$3M / $3M combined", "underwriting_facts": [ "Client count + revenue per client", "Contracts: are limitations of liability in place?", "Vendors and tools used (PSA / RMM)", "Backup tested?" ], "stronger_profile": [ "Stable client roster, 3+ years", "Tested DR plan", "Master Service Agreement with LoL" ], "closer_review": [ "Healthcare-only MSPs (PHI exposure)", "Crypto exchange clients", "MSP-as-sole-source for hospitals", "Dark web monitoring services" ], "hedge_form_paths": [ "/insurance-forms/hedge-cyber-and-technology-e-and-o-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-834-cyber-and-privacy-coverage-section", "/insurance-form-guides/acord-180-technology-eo-section" ], "submission_requirements_path": "/submission-requirements/msp" }, { "class_slug": "msp", "class_name": "IT services & MSPs", "class_path": "/appetite/msp", "coverage_slug": "general-liability", "coverage_name": "Commercial General Liability", "coverage_path": "/general-liability", "path": "/appetite/msp/general-liability", "public_status": "In current public appetite", "published_line": "General Liability", "published_target": "$1M / $2M", "underwriting_facts": [ "Client count + revenue per client", "Contracts: are limitations of liability in place?", "Vendors and tools used (PSA / RMM)", "Backup tested?" ], "stronger_profile": [ "Stable client roster, 3+ years", "Tested DR plan", "Master Service Agreement with LoL" ], "closer_review": [ "Healthcare-only MSPs (PHI exposure)", "Crypto exchange clients", "MSP-as-sole-source for hospitals", "Dark web monitoring services" ], "hedge_form_paths": [ "/insurance-forms/hedge-cyber-and-technology-e-and-o-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-126-commercial-general-liability-section" ], "submission_requirements_path": "/submission-requirements/msp" }, { "class_slug": "janitorial", "class_name": "Janitorial & cleaning services", "class_path": "/appetite/janitorial", "coverage_slug": "general-liability", "coverage_name": "Commercial General Liability", "coverage_path": "/general-liability", "path": "/appetite/janitorial/general-liability", "public_status": "In current public appetite", "published_line": "General Liability", "published_target": "$1M / $2M", "underwriting_facts": [ "% residential / commercial / medical", "Background checks on employees?", "Key access protocols", "Pressure washing / window cleaning height" ], "stronger_profile": [ "Commercial offices, < 3 stories", "W-2 employees (not 1099)", "Background-checked staff with keys" ], "closer_review": [ "Medical / hospital cleaning", "Construction clean-up", "Window cleaning > 3 stories", "Asbestos / lead abatement", "Crime / hazmat cleanup" ], "hedge_form_paths": [ "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-126-commercial-general-liability-section" ], "submission_requirements_path": "/submission-requirements/janitorial" }, { "class_slug": "janitorial", "class_name": "Janitorial & cleaning services", "class_path": "/appetite/janitorial", "coverage_slug": "commercial-auto", "coverage_name": "Commercial Auto and Trucking", "coverage_path": "/commercial-auto", "path": "/appetite/janitorial/commercial-auto", "public_status": "In current public appetite", "published_line": "Commercial Auto", "published_target": "$1M CSL (hired/non-owned)", "underwriting_facts": [ "% residential / commercial / medical", "Background checks on employees?", "Key access protocols", "Pressure washing / window cleaning height" ], "stronger_profile": [ "Commercial offices, < 3 stories", "W-2 employees (not 1099)", "Background-checked staff with keys" ], "closer_review": [ "Medical / hospital cleaning", "Construction clean-up", "Window cleaning > 3 stories", "Asbestos / lead abatement", "Crime / hazmat cleanup" ], "hedge_form_paths": [ "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-127-business-auto-section", "/insurance-form-guides/acord-129-vehicle-schedule", "/insurance-form-guides/acord-163-driver-information-schedule" ], "submission_requirements_path": "/submission-requirements/janitorial" }, { "class_slug": "landscaper", "class_name": "Landscapers & lawn care", "class_path": "/appetite/landscaper", "coverage_slug": "general-liability", "coverage_name": "Commercial General Liability", "coverage_path": "/general-liability", "path": "/appetite/landscaper/general-liability", "public_status": "In current public appetite", "published_line": "General Liability", "published_target": "$1M / $2M", "underwriting_facts": [ "Pesticide / herbicide use (yes/no)", "Tree work (trim, removal, height)", "Snow plowing in winter?", "Number of crews + drivers" ], "stronger_profile": [ "Residential & light commercial", "Mowing + design, no pesticide license", "Crews of 2-4 with licensed driver" ], "closer_review": [ "Tree removal > 30 ft height", "Aerial bucket / crane operations", "Pesticide application by employees", "Tree felling near power lines", "Crane-assisted tree removal" ], "hedge_form_paths": [ "/insurance-forms/hedge-contractors-supplemental", "/insurance-forms/hedge-workers-compensation-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-126-commercial-general-liability-section" ], "submission_requirements_path": "/submission-requirements/landscaper" }, { "class_slug": "landscaper", "class_name": "Landscapers & lawn care", "class_path": "/appetite/landscaper", "coverage_slug": "commercial-auto", "coverage_name": "Commercial Auto and Trucking", "coverage_path": "/commercial-auto", "path": "/appetite/landscaper/commercial-auto", "public_status": "In current public appetite", "published_line": "Commercial Auto", "published_target": "$1M CSL", "underwriting_facts": [ "Pesticide / herbicide use (yes/no)", "Tree work (trim, removal, height)", "Snow plowing in winter?", "Number of crews + drivers" ], "stronger_profile": [ "Residential & light commercial", "Mowing + design, no pesticide license", "Crews of 2-4 with licensed driver" ], "closer_review": [ "Tree removal > 30 ft height", "Aerial bucket / crane operations", "Pesticide application by employees", "Tree felling near power lines", "Crane-assisted tree removal" ], "hedge_form_paths": [ "/insurance-forms/hedge-contractors-supplemental", "/insurance-forms/hedge-workers-compensation-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-127-business-auto-section", "/insurance-form-guides/acord-129-vehicle-schedule", "/insurance-form-guides/acord-163-driver-information-schedule" ], "submission_requirements_path": "/submission-requirements/landscaper" }, { "class_slug": "landscaper", "class_name": "Landscapers & lawn care", "class_path": "/appetite/landscaper", "coverage_slug": "inland-marine", "coverage_name": "Inland Marine", "coverage_path": "/inland-marine", "path": "/appetite/landscaper/inland-marine", "public_status": "In current public appetite", "published_line": "Inland Marine (tools)", "published_target": "$25K", "underwriting_facts": [ "Pesticide / herbicide use (yes/no)", "Tree work (trim, removal, height)", "Snow plowing in winter?", "Number of crews + drivers" ], "stronger_profile": [ "Residential & light commercial", "Mowing + design, no pesticide license", "Crews of 2-4 with licensed driver" ], "closer_review": [ "Tree removal > 30 ft height", "Aerial bucket / crane operations", "Pesticide application by employees", "Tree felling near power lines", "Crane-assisted tree removal" ], "hedge_form_paths": [ "/insurance-forms/hedge-contractors-supplemental", "/insurance-forms/hedge-workers-compensation-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-152-commercial-inland-marine-section" ], "submission_requirements_path": "/submission-requirements/landscaper" }, { "class_slug": "lawyer", "class_name": "Lawyers", "class_path": "/appetite/lawyer", "coverage_slug": "misc-eo", "coverage_name": "Miscellaneous Professional Liability", "coverage_path": "/misc-eo", "path": "/appetite/lawyer/misc-eo", "public_status": "In current public appetite", "published_line": "Lawyers Professional Liability", "published_target": "$5M / $5M", "underwriting_facts": [ "Practice areas + % of revenue", "Attorney count + years admitted", "Largest fee in last year", "Trust account audit history" ], "stronger_profile": [ "Estate planning, business, real estate", "Solo to mid-size (< 25 attorneys)", "No class action work" ], "closer_review": [ "PI plaintiff > 30% of revenue", "Securities / patent litigation", "Mass tort / class action", "Disbarred attorneys", "Active suspension by state bar" ], "hedge_form_paths": [ "/insurance-forms/hedge-miscellaneous-professional-liability-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-825-professional-specialty-applicant-section", "/insurance-form-guides/acord-832-miscellaneous-eo-section" ], "submission_requirements_path": "/submission-requirements/lawyer" }, { "class_slug": "lawyer", "class_name": "Lawyers", "class_path": "/appetite/lawyer", "coverage_slug": "cyber-tech-eo", "coverage_name": "Cyber Liability and Technology E&O", "coverage_path": "/cyber-tech-eo", "path": "/appetite/lawyer/cyber-tech-eo", "public_status": "In current public appetite", "published_line": "Cyber & Tech E&O", "published_target": "$3M / $3M", "underwriting_facts": [ "Practice areas + % of revenue", "Attorney count + years admitted", "Largest fee in last year", "Trust account audit history" ], "stronger_profile": [ "Estate planning, business, real estate", "Solo to mid-size (< 25 attorneys)", "No class action work" ], "closer_review": [ "PI plaintiff > 30% of revenue", "Securities / patent litigation", "Mass tort / class action", "Disbarred attorneys", "Active suspension by state bar" ], "hedge_form_paths": [ "/insurance-forms/hedge-miscellaneous-professional-liability-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-834-cyber-and-privacy-coverage-section", "/insurance-form-guides/acord-180-technology-eo-section" ], "submission_requirements_path": "/submission-requirements/lawyer" }, { "class_slug": "lawyer", "class_name": "Lawyers", "class_path": "/appetite/lawyer", "coverage_slug": "employment-practices", "coverage_name": "Employment Practices Liability", "coverage_path": "/employment-practices", "path": "/appetite/lawyer/employment-practices", "public_status": "In current public appetite", "published_line": "EPL", "published_target": "$1M", "underwriting_facts": [ "Practice areas + % of revenue", "Attorney count + years admitted", "Largest fee in last year", "Trust account audit history" ], "stronger_profile": [ "Estate planning, business, real estate", "Solo to mid-size (< 25 attorneys)", "No class action work" ], "closer_review": [ "PI plaintiff > 30% of revenue", "Securities / patent litigation", "Mass tort / class action", "Disbarred attorneys", "Active suspension by state bar" ], "hedge_form_paths": [ "/insurance-forms/hedge-miscellaneous-professional-liability-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-825-professional-specialty-applicant-section", "/insurance-form-guides/acord-827-employment-practices-liability-section" ], "submission_requirements_path": "/submission-requirements/lawyer" }, { "class_slug": "manufacturer-light", "class_name": "Light manufacturers", "class_path": "/appetite/manufacturer-light", "coverage_slug": "product-liability", "coverage_name": "Products Liability", "coverage_path": "/product-liability", "path": "/appetite/manufacturer-light/product-liability", "public_status": "In current public appetite", "published_line": "Product Liability", "published_target": "$2M / $4M", "underwriting_facts": [ "Product description + materials", "End market (consumer / B2B)", "Quality control process", "Recall history + reserves", "Sales by state + international" ], "stronger_profile": [ "Consumer non-food products", "Domestic sales, US-only", "ISO certified quality process" ], "closer_review": [ "Food products (FDA regulated)", "Children's products (CPSIA)", "Imported components from high-risk countries", "Firearms manufacturing", "Medical implants", "Vape / e-cigarette manufacturing" ], "hedge_form_paths": [ "/insurance-forms/hedge-manufacturing-supplemental", "/insurance-forms/hedge-products-liability-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-126-commercial-general-liability-section" ], "submission_requirements_path": "/submission-requirements/manufacturer-light" }, { "class_slug": "manufacturer-light", "class_name": "Light manufacturers", "class_path": "/appetite/manufacturer-light", "coverage_slug": "general-liability", "coverage_name": "Commercial General Liability", "coverage_path": "/general-liability", "path": "/appetite/manufacturer-light/general-liability", "public_status": "In current public appetite", "published_line": "General Liability", "published_target": "$1M / $2M", "underwriting_facts": [ "Product description + materials", "End market (consumer / B2B)", "Quality control process", "Recall history + reserves", "Sales by state + international" ], "stronger_profile": [ "Consumer non-food products", "Domestic sales, US-only", "ISO certified quality process" ], "closer_review": [ "Food products (FDA regulated)", "Children's products (CPSIA)", "Imported components from high-risk countries", "Firearms manufacturing", "Medical implants", "Vape / e-cigarette manufacturing" ], "hedge_form_paths": [ "/insurance-forms/hedge-manufacturing-supplemental", "/insurance-forms/hedge-products-liability-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-126-commercial-general-liability-section" ], "submission_requirements_path": "/submission-requirements/manufacturer-light" }, { "class_slug": "manufacturer-light", "class_name": "Light manufacturers", "class_path": "/appetite/manufacturer-light", "coverage_slug": "commercial-property", "coverage_name": "Commercial Property", "coverage_path": "/commercial-property", "path": "/appetite/manufacturer-light/commercial-property", "public_status": "In current public appetite", "published_line": "Commercial Property", "published_target": "$10M / loc", "underwriting_facts": [ "Product description + materials", "End market (consumer / B2B)", "Quality control process", "Recall history + reserves", "Sales by state + international" ], "stronger_profile": [ "Consumer non-food products", "Domestic sales, US-only", "ISO certified quality process" ], "closer_review": [ "Food products (FDA regulated)", "Children's products (CPSIA)", "Imported components from high-risk countries", "Firearms manufacturing", "Medical implants", "Vape / e-cigarette manufacturing" ], "hedge_form_paths": [ "/insurance-forms/hedge-manufacturing-supplemental", "/insurance-forms/hedge-products-liability-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-140-property-section" ], "submission_requirements_path": "/submission-requirements/manufacturer-light" }, { "class_slug": "manufacturer-light", "class_name": "Light manufacturers", "class_path": "/appetite/manufacturer-light", "coverage_slug": "inland-marine", "coverage_name": "Inland Marine", "coverage_path": "/inland-marine", "path": "/appetite/manufacturer-light/inland-marine", "public_status": "In current public appetite", "published_line": "Inland Marine", "published_target": "Per shipping", "underwriting_facts": [ "Product description + materials", "End market (consumer / B2B)", "Quality control process", "Recall history + reserves", "Sales by state + international" ], "stronger_profile": [ "Consumer non-food products", "Domestic sales, US-only", "ISO certified quality process" ], "closer_review": [ "Food products (FDA regulated)", "Children's products (CPSIA)", "Imported components from high-risk countries", "Firearms manufacturing", "Medical implants", "Vape / e-cigarette manufacturing" ], "hedge_form_paths": [ "/insurance-forms/hedge-manufacturing-supplemental", "/insurance-forms/hedge-products-liability-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-152-commercial-inland-marine-section" ], "submission_requirements_path": "/submission-requirements/manufacturer-light" }, { "class_slug": "peo-staffing-epli", "class_name": "PEO & staffing firm EPLI", "class_path": "/appetite/peo-staffing-epli", "coverage_slug": "employment-practices", "coverage_name": "Employment Practices Liability", "coverage_path": "/employment-practices", "path": "/appetite/peo-staffing-epli/employment-practices", "public_status": "In current public appetite", "published_line": "EPLI", "published_target": "$1M to $10M", "underwriting_facts": [ "Worksite employee count (PEO + staffing)", "Client roster and industry mix", "Co-employment agreement template", "5-year EPL loss runs", "Retention preference (minimum SIR $15,000)", "States with material exposure" ], "stronger_profile": [ "PEOs, staffing firms, temp placement", "ASOs managing HR functions", "HROs in co-employment", "EORs with over 50% revenue from PEO or staffing" ], "closer_review": [ "Hybrid recruiting and staffing models", "International worksites", "High-turnover client books", "Pure recruiting / headhunting firms", "International-only PEOs", "Organizations with under 50% PEO or staffing revenue" ], "hedge_form_paths": [ "/insurance-forms/hedge-management-liability-d-and-o-epl-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-825-professional-specialty-applicant-section", "/insurance-form-guides/acord-827-employment-practices-liability-section" ], "submission_requirements_path": "/submission-requirements/peo-staffing-epli" }, { "class_slug": "pest-control", "class_name": "Pest control", "class_path": "/appetite/pest-control", "coverage_slug": "general-liability", "coverage_name": "Commercial General Liability", "coverage_path": "/general-liability", "path": "/appetite/pest-control/general-liability", "public_status": "In current public appetite", "published_line": "General Liability", "published_target": "$1M / $2M", "underwriting_facts": [ "State applicator license", "Fumigation services? (yes/no)", "Termite warranty obligations", "Wood-destroying insect inspection volume" ], "stronger_profile": [ "Quarterly maintenance service", "Licensed applicators only", "No fumigation" ], "closer_review": [ "Whole-structure fumigation", "Bed bug heat treatment", "Wildlife removal (bats, raccoons)", "Aerial pesticide spraying", "Mosquito abatement for municipalities" ], "hedge_form_paths": [ "/insurance-forms/hedge-contractors-supplemental", "/insurance-forms/hedge-workers-compensation-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-126-commercial-general-liability-section" ], "submission_requirements_path": "/submission-requirements/pest-control" }, { "class_slug": "pest-control", "class_name": "Pest control", "class_path": "/appetite/pest-control", "coverage_slug": "environmental", "coverage_name": "Environmental and Pollution Liability", "coverage_path": "/environmental", "path": "/appetite/pest-control/environmental", "public_status": "In current public appetite", "published_line": "Pollution", "published_target": "$1M / $2M", "underwriting_facts": [ "State applicator license", "Fumigation services? (yes/no)", "Termite warranty obligations", "Wood-destroying insect inspection volume" ], "stronger_profile": [ "Quarterly maintenance service", "Licensed applicators only", "No fumigation" ], "closer_review": [ "Whole-structure fumigation", "Bed bug heat treatment", "Wildlife removal (bats, raccoons)", "Aerial pesticide spraying", "Mosquito abatement for municipalities" ], "hedge_form_paths": [ "/insurance-forms/hedge-contractors-supplemental", "/insurance-forms/hedge-workers-compensation-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-126-commercial-general-liability-section" ], "submission_requirements_path": "/submission-requirements/pest-control" }, { "class_slug": "pest-control", "class_name": "Pest control", "class_path": "/appetite/pest-control", "coverage_slug": "commercial-auto", "coverage_name": "Commercial Auto and Trucking", "coverage_path": "/commercial-auto", "path": "/appetite/pest-control/commercial-auto", "public_status": "In current public appetite", "published_line": "Commercial Auto", "published_target": "$1M CSL", "underwriting_facts": [ "State applicator license", "Fumigation services? (yes/no)", "Termite warranty obligations", "Wood-destroying insect inspection volume" ], "stronger_profile": [ "Quarterly maintenance service", "Licensed applicators only", "No fumigation" ], "closer_review": [ "Whole-structure fumigation", "Bed bug heat treatment", "Wildlife removal (bats, raccoons)", "Aerial pesticide spraying", "Mosquito abatement for municipalities" ], "hedge_form_paths": [ "/insurance-forms/hedge-contractors-supplemental", "/insurance-forms/hedge-workers-compensation-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-127-business-auto-section", "/insurance-form-guides/acord-129-vehicle-schedule", "/insurance-form-guides/acord-163-driver-information-schedule" ], "submission_requirements_path": "/submission-requirements/pest-control" }, { "class_slug": "plumber", "class_name": "Plumbers", "class_path": "/appetite/plumber", "coverage_slug": "general-liability", "coverage_name": "Commercial General Liability", "coverage_path": "/general-liability", "path": "/appetite/plumber/general-liability", "public_status": "In current public appetite", "published_line": "General Liability", "published_target": "$1M / $2M", "underwriting_facts": [ "License copy", "% new construction vs. service", "Trenching depth max", "Number of trucks + drivers" ], "stronger_profile": [ "Licensed master plumber on staff", "Service-call business 70%+", "No deep trenching (< 8 ft)" ], "closer_review": [ "Heavy new-construction (> 50%)", "Trenching > 8 ft (excavation)", "Hydronics / heating systems", "Septic system installation as primary", "Industrial process piping" ], "hedge_form_paths": [ "/insurance-forms/hedge-contractors-supplemental", "/insurance-forms/hedge-workers-compensation-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-126-commercial-general-liability-section" ], "submission_requirements_path": "/submission-requirements/plumber" }, { "class_slug": "plumber", "class_name": "Plumbers", "class_path": "/appetite/plumber", "coverage_slug": "commercial-auto", "coverage_name": "Commercial Auto and Trucking", "coverage_path": "/commercial-auto", "path": "/appetite/plumber/commercial-auto", "public_status": "In current public appetite", "published_line": "Commercial Auto", "published_target": "$1M CSL", "underwriting_facts": [ "License copy", "% new construction vs. service", "Trenching depth max", "Number of trucks + drivers" ], "stronger_profile": [ "Licensed master plumber on staff", "Service-call business 70%+", "No deep trenching (< 8 ft)" ], "closer_review": [ "Heavy new-construction (> 50%)", "Trenching > 8 ft (excavation)", "Hydronics / heating systems", "Septic system installation as primary", "Industrial process piping" ], "class_specific_detail": { "class_slug": "plumber", "coverage_slug": "commercial-auto", "search_title": "Commercial Auto Insurance for Plumbers | Hedge", "search_description": "Commercial auto insurance guidance for plumbers, including vans and pickups, drivers, radius, garaging, mileage, losses, and tools carried in vehicles.", "heading": "Commercial auto insurance for plumbers", "kicker": "Plumbing contractor auto details", "boundary_title": "Keep auto and property questions separate", "title": "Commercial auto details for a plumbing contractor", "answer": "A plumbing contractor's commercial auto review starts with the vans, pickups, and other vehicles the business owns, leases, or regularly uses. The reviewing underwriter will also need to understand who drives each vehicle, service radius, garaging, annual mileage, personal or take-home use, and the account's auto loss history.", "prepare": [ "Vehicle schedule with year, make, model, VIN, ownership, garaging address, use, and requested physical damage coverage", "Complete driver list with license details, vehicle assignments, and current motor vehicle records", "Normal service territory, longest trip, annual mileage, and any work across state lines", "Currently valued commercial auto loss runs, plus a direct explanation of material accidents, violations, or driver changes", "List of tools, parts, and equipment kept in vehicles so the property exposure can be reviewed separately" ], "boundary": "The $1 million combined single limit shown here is Hedge's public target for this class, not a quote or promise of terms. Tools, parts, and equipment carried in a van should be reviewed under the appropriate inland marine or property coverage instead of being assumed to be insured by the auto policy.", "reviewed_at": "2026-08-29" }, "hedge_form_paths": [ "/insurance-forms/hedge-contractors-supplemental", "/insurance-forms/hedge-workers-compensation-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-127-business-auto-section", "/insurance-form-guides/acord-129-vehicle-schedule", "/insurance-form-guides/acord-163-driver-information-schedule" ], "submission_requirements_path": "/submission-requirements/plumber" }, { "class_slug": "plumber", "class_name": "Plumbers", "class_path": "/appetite/plumber", "coverage_slug": "inland-marine", "coverage_name": "Inland Marine", "coverage_path": "/inland-marine", "path": "/appetite/plumber/inland-marine", "public_status": "In current public appetite", "published_line": "Inland Marine (tools)", "published_target": "$25K", "underwriting_facts": [ "License copy", "% new construction vs. service", "Trenching depth max", "Number of trucks + drivers" ], "stronger_profile": [ "Licensed master plumber on staff", "Service-call business 70%+", "No deep trenching (< 8 ft)" ], "closer_review": [ "Heavy new-construction (> 50%)", "Trenching > 8 ft (excavation)", "Hydronics / heating systems", "Septic system installation as primary", "Industrial process piping" ], "hedge_form_paths": [ "/insurance-forms/hedge-contractors-supplemental", "/insurance-forms/hedge-workers-compensation-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-152-commercial-inland-marine-section" ], "submission_requirements_path": "/submission-requirements/plumber" }, { "class_slug": "private-company-do", "class_name": "Private company D&O", "class_path": "/appetite/private-company-do", "coverage_slug": "management-liability", "coverage_name": "Management Liability", "coverage_path": "/management-liability", "path": "/appetite/private-company-do/management-liability", "public_status": "In current public appetite", "published_line": "D&O", "published_target": "$5M / $5M", "underwriting_facts": [ "Revenue + 3-year trend", "Employee count", "Funding stage (bootstrapped, seed, series, PE-backed)", "M&A in last 24 months", "Pending litigation" ], "stronger_profile": [ "Established private companies, 50-500 employees", "Profitable or well-funded", "Clean litigation history" ], "closer_review": [ "Pre-revenue with significant funding", "Recent layoffs / restructuring", "PE-portfolio with bolt-on M&A", "Active SEC / DOJ investigations", "Bankruptcy in last 3 years", "Hostile takeover targets" ], "hedge_form_paths": [ "/insurance-forms/hedge-management-liability-d-and-o-epl-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-825-professional-specialty-applicant-section", "/insurance-form-guides/acord-807-directors-officers-liability-section" ], "submission_requirements_path": "/submission-requirements/private-company-do" }, { "class_slug": "private-company-do", "class_name": "Private company D&O", "class_path": "/appetite/private-company-do", "coverage_slug": "employment-practices", "coverage_name": "Employment Practices Liability", "coverage_path": "/employment-practices", "path": "/appetite/private-company-do/employment-practices", "public_status": "In current public appetite", "published_line": "EPL", "published_target": "$3M", "underwriting_facts": [ "Revenue + 3-year trend", "Employee count", "Funding stage (bootstrapped, seed, series, PE-backed)", "M&A in last 24 months", "Pending litigation" ], "stronger_profile": [ "Established private companies, 50-500 employees", "Profitable or well-funded", "Clean litigation history" ], "closer_review": [ "Pre-revenue with significant funding", "Recent layoffs / restructuring", "PE-portfolio with bolt-on M&A", "Active SEC / DOJ investigations", "Bankruptcy in last 3 years", "Hostile takeover targets" ], "hedge_form_paths": [ "/insurance-forms/hedge-management-liability-d-and-o-epl-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-825-professional-specialty-applicant-section", "/insurance-form-guides/acord-827-employment-practices-liability-section" ], "submission_requirements_path": "/submission-requirements/private-company-do" }, { "class_slug": "school-private", "class_name": "Private K-12 schools", "class_path": "/appetite/school-private", "coverage_slug": "general-liability", "coverage_name": "Commercial General Liability", "coverage_path": "/general-liability", "path": "/appetite/school-private/general-liability", "public_status": "In current public appetite", "published_line": "General Liability", "published_target": "$1M / $2M", "underwriting_facts": [ "Enrollment + grade levels", "Background check process", "Athletic programs (contact sports)", "Transportation (buses)?" ], "stronger_profile": [ "Day schools, < 1,000 students", "Standard curriculum + extracurricular", "Background-checked staff" ], "closer_review": [ "Boarding programs", "Athletic powerhouses (football, hockey)", "Special needs / therapeutic schools", "Unlicensed religious schools", "Foster-care boarding facilities" ], "hedge_form_paths": [ "/insurance-forms/hedge-sexual-abuse-and-molestation-sam-supplemental", "/insurance-forms/hedge-social-services-and-human-services-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-126-commercial-general-liability-section" ], "submission_requirements_path": "/submission-requirements/school-private" }, { "class_slug": "school-private", "class_name": "Private K-12 schools", "class_path": "/appetite/school-private", "coverage_slug": "misc-eo", "coverage_name": "Miscellaneous Professional Liability", "coverage_path": "/misc-eo", "path": "/appetite/school-private/misc-eo", "public_status": "In current public appetite", "published_line": "Educators Legal Liability", "published_target": "$2M", "underwriting_facts": [ "Enrollment + grade levels", "Background check process", "Athletic programs (contact sports)", "Transportation (buses)?" ], "stronger_profile": [ "Day schools, < 1,000 students", "Standard curriculum + extracurricular", "Background-checked staff" ], "closer_review": [ "Boarding programs", "Athletic powerhouses (football, hockey)", "Special needs / therapeutic schools", "Unlicensed religious schools", "Foster-care boarding facilities" ], "hedge_form_paths": [ "/insurance-forms/hedge-sexual-abuse-and-molestation-sam-supplemental", "/insurance-forms/hedge-social-services-and-human-services-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-825-professional-specialty-applicant-section", "/insurance-form-guides/acord-832-miscellaneous-eo-section" ], "submission_requirements_path": "/submission-requirements/school-private" }, { "class_slug": "school-private", "class_name": "Private K-12 schools", "class_path": "/appetite/school-private", "coverage_slug": "commercial-property", "coverage_name": "Commercial Property", "coverage_path": "/commercial-property", "path": "/appetite/school-private/commercial-property", "public_status": "In current public appetite", "published_line": "Commercial Property", "published_target": "$10M / loc", "underwriting_facts": [ "Enrollment + grade levels", "Background check process", "Athletic programs (contact sports)", "Transportation (buses)?" ], "stronger_profile": [ "Day schools, < 1,000 students", "Standard curriculum + extracurricular", "Background-checked staff" ], "closer_review": [ "Boarding programs", "Athletic powerhouses (football, hockey)", "Special needs / therapeutic schools", "Unlicensed religious schools", "Foster-care boarding facilities" ], "hedge_form_paths": [ "/insurance-forms/hedge-sexual-abuse-and-molestation-sam-supplemental", "/insurance-forms/hedge-social-services-and-human-services-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-140-property-section" ], "submission_requirements_path": "/submission-requirements/school-private" }, { "class_slug": "school-private", "class_name": "Private K-12 schools", "class_path": "/appetite/school-private", "coverage_slug": "employment-practices", "coverage_name": "Employment Practices Liability", "coverage_path": "/employment-practices", "path": "/appetite/school-private/employment-practices", "public_status": "In current public appetite", "published_line": "EPL", "published_target": "$2M", "underwriting_facts": [ "Enrollment + grade levels", "Background check process", "Athletic programs (contact sports)", "Transportation (buses)?" ], "stronger_profile": [ "Day schools, < 1,000 students", "Standard curriculum + extracurricular", "Background-checked staff" ], "closer_review": [ "Boarding programs", "Athletic powerhouses (football, hockey)", "Special needs / therapeutic schools", "Unlicensed religious schools", "Foster-care boarding facilities" ], "hedge_form_paths": [ "/insurance-forms/hedge-sexual-abuse-and-molestation-sam-supplemental", "/insurance-forms/hedge-social-services-and-human-services-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-825-professional-specialty-applicant-section", "/insurance-form-guides/acord-827-employment-practices-liability-section" ], "submission_requirements_path": "/submission-requirements/school-private" }, { "class_slug": "real-estate-agent", "class_name": "Real estate agents & brokers", "class_path": "/appetite/real-estate-agent", "coverage_slug": "misc-eo", "coverage_name": "Miscellaneous Professional Liability", "coverage_path": "/misc-eo", "path": "/appetite/real-estate-agent/misc-eo", "public_status": "In current public appetite", "published_line": "Real Estate E&O", "published_target": "$2M / $2M", "underwriting_facts": [ "License + state(s)", "% residential / commercial / property mgmt", "Agent count + 1099 vs. W-2", "Average sale price" ], "stronger_profile": [ "Residential brokerages, 1-50 agents", "Standard listing + buyer rep", "No appraisal / inspection services" ], "closer_review": [ "Property management as primary", "Commercial brokerage > $100M annual volume", "Owner-financing as standard practice", "Real estate investment funds (separate)", "Title agents (separate market)" ], "hedge_form_paths": [ "/insurance-forms/hedge-miscellaneous-professional-liability-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-825-professional-specialty-applicant-section", "/insurance-form-guides/acord-832-miscellaneous-eo-section" ], "submission_requirements_path": "/submission-requirements/real-estate-agent" }, { "class_slug": "real-estate-agent", "class_name": "Real estate agents & brokers", "class_path": "/appetite/real-estate-agent", "coverage_slug": "general-liability", "coverage_name": "Commercial General Liability", "coverage_path": "/general-liability", "path": "/appetite/real-estate-agent/general-liability", "public_status": "In current public appetite", "published_line": "General Liability", "published_target": "$1M / $2M", "underwriting_facts": [ "License + state(s)", "% residential / commercial / property mgmt", "Agent count + 1099 vs. W-2", "Average sale price" ], "stronger_profile": [ "Residential brokerages, 1-50 agents", "Standard listing + buyer rep", "No appraisal / inspection services" ], "closer_review": [ "Property management as primary", "Commercial brokerage > $100M annual volume", "Owner-financing as standard practice", "Real estate investment funds (separate)", "Title agents (separate market)" ], "hedge_form_paths": [ "/insurance-forms/hedge-miscellaneous-professional-liability-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-126-commercial-general-liability-section" ], "submission_requirements_path": "/submission-requirements/real-estate-agent" }, { "class_slug": "restaurant", "class_name": "Restaurants", "class_path": "/appetite/restaurant", "coverage_slug": "commercial-property", "coverage_name": "Commercial Property", "coverage_path": "/commercial-property", "path": "/appetite/restaurant/commercial-property", "public_status": "In current public appetite", "published_line": "Commercial Property", "published_target": "$5M / loc", "underwriting_facts": [ "5-year loss runs", "% sales: food / liquor / takeout", "Hood cleaning frequency", "Years in operation under current owner", "Live music / late-night / dance floor?" ], "stronger_profile": [ "Sit-down dining, < 30% liquor", "Owner on premises, 2+ years", "Quarterly hood cleaning + ANSUL" ], "closer_review": [ "Bars / lounges > 50% liquor", "Late-night (after 1 AM)", "Hibachi / open-flame tableside", "Adult entertainment establishments", "Hookah lounges as primary use", "Nightclubs with cover charge as primary revenue" ], "hedge_form_paths": [ "/insurance-forms/hedge-restaurant-bar-and-tavern-supplemental", "/insurance-forms/hedge-liquor-liability-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-140-property-section" ], "submission_requirements_path": "/submission-requirements/restaurant" }, { "class_slug": "restaurant", "class_name": "Restaurants", "class_path": "/appetite/restaurant", "coverage_slug": "general-liability", "coverage_name": "Commercial General Liability", "coverage_path": "/general-liability", "path": "/appetite/restaurant/general-liability", "public_status": "In current public appetite", "published_line": "General Liability", "published_target": "$1M / $2M", "underwriting_facts": [ "5-year loss runs", "% sales: food / liquor / takeout", "Hood cleaning frequency", "Years in operation under current owner", "Live music / late-night / dance floor?" ], "stronger_profile": [ "Sit-down dining, < 30% liquor", "Owner on premises, 2+ years", "Quarterly hood cleaning + ANSUL" ], "closer_review": [ "Bars / lounges > 50% liquor", "Late-night (after 1 AM)", "Hibachi / open-flame tableside", "Adult entertainment establishments", "Hookah lounges as primary use", "Nightclubs with cover charge as primary revenue" ], "hedge_form_paths": [ "/insurance-forms/hedge-restaurant-bar-and-tavern-supplemental", "/insurance-forms/hedge-liquor-liability-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-126-commercial-general-liability-section" ], "submission_requirements_path": "/submission-requirements/restaurant" }, { "class_slug": "restaurant", "class_name": "Restaurants", "class_path": "/appetite/restaurant", "coverage_slug": "liquor-liability", "coverage_name": "Liquor Liability", "coverage_path": "/liquor-liability", "path": "/appetite/restaurant/liquor-liability", "public_status": "In current public appetite", "published_line": "Liquor Liability", "published_target": "$1M / $2M (if needed)", "underwriting_facts": [ "5-year loss runs", "% sales: food / liquor / takeout", "Hood cleaning frequency", "Years in operation under current owner", "Live music / late-night / dance floor?" ], "stronger_profile": [ "Sit-down dining, < 30% liquor", "Owner on premises, 2+ years", "Quarterly hood cleaning + ANSUL" ], "closer_review": [ "Bars / lounges > 50% liquor", "Late-night (after 1 AM)", "Hibachi / open-flame tableside", "Adult entertainment establishments", "Hookah lounges as primary use", "Nightclubs with cover charge as primary revenue" ], "hedge_form_paths": [ "/insurance-forms/hedge-restaurant-bar-and-tavern-supplemental", "/insurance-forms/hedge-liquor-liability-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-803-liquor-liability-section" ], "submission_requirements_path": "/submission-requirements/restaurant" }, { "class_slug": "restaurant", "class_name": "Restaurants", "class_path": "/appetite/restaurant", "coverage_slug": "workers-compensation", "coverage_name": "Workers Compensation", "coverage_path": "/workers-compensation", "path": "/appetite/restaurant/workers-compensation", "public_status": "In current public appetite", "published_line": "Workers' Comp (referral)", "published_target": "Statutory", "underwriting_facts": [ "5-year loss runs", "% sales: food / liquor / takeout", "Hood cleaning frequency", "Years in operation under current owner", "Live music / late-night / dance floor?" ], "stronger_profile": [ "Sit-down dining, < 30% liquor", "Owner on premises, 2+ years", "Quarterly hood cleaning + ANSUL" ], "closer_review": [ "Bars / lounges > 50% liquor", "Late-night (after 1 AM)", "Hibachi / open-flame tableside", "Adult entertainment establishments", "Hookah lounges as primary use", "Nightclubs with cover charge as primary revenue" ], "hedge_form_paths": [ "/insurance-forms/hedge-restaurant-bar-and-tavern-supplemental", "/insurance-forms/hedge-liquor-liability-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-130-workers-compensation-application" ], "submission_requirements_path": "/submission-requirements/restaurant" }, { "class_slug": "roofer", "class_name": "Roofing contractors", "class_path": "/appetite/roofer", "coverage_slug": "general-liability", "coverage_name": "Commercial General Liability", "coverage_path": "/general-liability", "path": "/appetite/roofer/general-liability", "public_status": "Review case by case", "published_line": "General Liability", "published_target": "$1M / $2M", "underwriting_facts": [ "% residential vs. commercial", "% torch-down / hot tar work", "Subcontractor verification (COIs)", "Max height worked", "Fall protection plan" ], "stronger_profile": [ "Residential asphalt shingle, ≤ 3 stories", "All subs with own GL + WC", "OSHA-compliant fall protection" ], "closer_review": [ "Torch-down / hot work on flat roofs", "Commercial work over 3 stories", "Solar panel installation included", "Storm-chasers with no permanent address", "Day-labor model (no full-time crew)" ], "hedge_form_paths": [ "/insurance-forms/hedge-roofing-contractors-supplemental", "/insurance-forms/hedge-contractors-supplemental", "/insurance-forms/hedge-workers-compensation-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-126-commercial-general-liability-section" ], "submission_requirements_path": "/submission-requirements/roofer" }, { "class_slug": "roofer", "class_name": "Roofing contractors", "class_path": "/appetite/roofer", "coverage_slug": "commercial-auto", "coverage_name": "Commercial Auto and Trucking", "coverage_path": "/commercial-auto", "path": "/appetite/roofer/commercial-auto", "public_status": "Review case by case", "published_line": "Commercial Auto", "published_target": "$1M CSL", "underwriting_facts": [ "% residential vs. commercial", "% torch-down / hot tar work", "Subcontractor verification (COIs)", "Max height worked", "Fall protection plan" ], "stronger_profile": [ "Residential asphalt shingle, ≤ 3 stories", "All subs with own GL + WC", "OSHA-compliant fall protection" ], "closer_review": [ "Torch-down / hot work on flat roofs", "Commercial work over 3 stories", "Solar panel installation included", "Storm-chasers with no permanent address", "Day-labor model (no full-time crew)" ], "hedge_form_paths": [ "/insurance-forms/hedge-roofing-contractors-supplemental", "/insurance-forms/hedge-contractors-supplemental", "/insurance-forms/hedge-workers-compensation-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-127-business-auto-section", "/insurance-form-guides/acord-129-vehicle-schedule", "/insurance-form-guides/acord-163-driver-information-schedule" ], "submission_requirements_path": "/submission-requirements/roofer" }, { "class_slug": "roofer", "class_name": "Roofing contractors", "class_path": "/appetite/roofer", "coverage_slug": "inland-marine", "coverage_name": "Inland Marine", "coverage_path": "/inland-marine", "path": "/appetite/roofer/inland-marine", "public_status": "Review case by case", "published_line": "Inland Marine", "published_target": "$50K", "underwriting_facts": [ "% residential vs. commercial", "% torch-down / hot tar work", "Subcontractor verification (COIs)", "Max height worked", "Fall protection plan" ], "stronger_profile": [ "Residential asphalt shingle, ≤ 3 stories", "All subs with own GL + WC", "OSHA-compliant fall protection" ], "closer_review": [ "Torch-down / hot work on flat roofs", "Commercial work over 3 stories", "Solar panel installation included", "Storm-chasers with no permanent address", "Day-labor model (no full-time crew)" ], "hedge_form_paths": [ "/insurance-forms/hedge-roofing-contractors-supplemental", "/insurance-forms/hedge-contractors-supplemental", "/insurance-forms/hedge-workers-compensation-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-152-commercial-inland-marine-section" ], "submission_requirements_path": "/submission-requirements/roofer" }, { "class_slug": "salon-spa", "class_name": "Salons, spas, barbers", "class_path": "/appetite/salon-spa", "coverage_slug": "general-liability", "coverage_name": "Commercial General Liability", "coverage_path": "/general-liability", "path": "/appetite/salon-spa/general-liability", "public_status": "In current public appetite", "published_line": "General Liability", "published_target": "$1M / $2M", "underwriting_facts": [ "Services performed", "Booth-rental vs. employee model", "Esthetician services (peels, microblading)", "Injectables (Botox, fillers)?" ], "stronger_profile": [ "Hair + nail + standard esthetics", "Employee or booth-rental clean structure", "State-licensed practitioners" ], "closer_review": [ "Med spa with injectables (RN/PA on staff)", "Laser hair removal / IPL", "Permanent makeup / microblading", "Surgical procedures (lift, lipo)", "Tattoo removal with high-power lasers (unsupervised)" ], "hedge_form_paths": [ "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-126-commercial-general-liability-section" ], "submission_requirements_path": "/submission-requirements/salon-spa" }, { "class_slug": "salon-spa", "class_name": "Salons, spas, barbers", "class_path": "/appetite/salon-spa", "coverage_slug": "misc-eo", "coverage_name": "Miscellaneous Professional Liability", "coverage_path": "/misc-eo", "path": "/appetite/salon-spa/misc-eo", "public_status": "In current public appetite", "published_line": "Professional Liability", "published_target": "$1M / $2M", "underwriting_facts": [ "Services performed", "Booth-rental vs. employee model", "Esthetician services (peels, microblading)", "Injectables (Botox, fillers)?" ], "stronger_profile": [ "Hair + nail + standard esthetics", "Employee or booth-rental clean structure", "State-licensed practitioners" ], "closer_review": [ "Med spa with injectables (RN/PA on staff)", "Laser hair removal / IPL", "Permanent makeup / microblading", "Surgical procedures (lift, lipo)", "Tattoo removal with high-power lasers (unsupervised)" ], "hedge_form_paths": [ "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-825-professional-specialty-applicant-section", "/insurance-form-guides/acord-832-miscellaneous-eo-section" ], "submission_requirements_path": "/submission-requirements/salon-spa" }, { "class_slug": "salon-spa", "class_name": "Salons, spas, barbers", "class_path": "/appetite/salon-spa", "coverage_slug": "commercial-property", "coverage_name": "Commercial Property", "coverage_path": "/commercial-property", "path": "/appetite/salon-spa/commercial-property", "public_status": "In current public appetite", "published_line": "Commercial Property", "published_target": "$1M / loc", "underwriting_facts": [ "Services performed", "Booth-rental vs. employee model", "Esthetician services (peels, microblading)", "Injectables (Botox, fillers)?" ], "stronger_profile": [ "Hair + nail + standard esthetics", "Employee or booth-rental clean structure", "State-licensed practitioners" ], "closer_review": [ "Med spa with injectables (RN/PA on staff)", "Laser hair removal / IPL", "Permanent makeup / microblading", "Surgical procedures (lift, lipo)", "Tattoo removal with high-power lasers (unsupervised)" ], "hedge_form_paths": [ "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-140-property-section" ], "submission_requirements_path": "/submission-requirements/salon-spa" }, { "class_slug": "security-guard-armed", "class_name": "Security guards. Armed", "class_path": "/appetite/security-guard-armed", "coverage_slug": "general-liability", "coverage_name": "Commercial General Liability", "coverage_path": "/general-liability", "path": "/appetite/security-guard-armed/general-liability", "public_status": "In current public appetite", "published_line": "General Liability", "published_target": "$1M / $2M", "underwriting_facts": [ "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)" ], "stronger_profile": [ "Bank, ATM-servicing, and high-value retail posts", "State-licensed armed officers with annual qualification", "Documented de-escalation training and incident reporting" ], "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" ], "hedge_form_paths": [ "/insurance-forms/hedge-security-guard-and-alarm-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-126-commercial-general-liability-section" ], "submission_requirements_path": "/submission-requirements/security-guard-armed" }, { "class_slug": "security-guard-armed", "class_name": "Security guards. Armed", "class_path": "/appetite/security-guard-armed", "coverage_slug": "misc-eo", "coverage_name": "Miscellaneous Professional Liability", "coverage_path": "/misc-eo", "path": "/appetite/security-guard-armed/misc-eo", "public_status": "In current public appetite", "published_line": "Professional Liability (E&O)", "published_target": "$1M / $1M", "underwriting_facts": [ "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)" ], "stronger_profile": [ "Bank, ATM-servicing, and high-value retail posts", "State-licensed armed officers with annual qualification", "Documented de-escalation training and incident reporting" ], "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" ], "class_specific_detail": { "class_slug": "security-guard-armed", "coverage_slug": "misc-eo", "class_name": "Armed security guards", "search_title": "Professional Liability for Armed Security Guards | Hedge", "search_description": "What underwriters review for armed security guard professional liability: services, contracts, training, incident controls, claims, and submission details.", "heading": "Professional liability for armed security guards", "kicker": "Armed security guard E&O details", "boundary_title": "Keep professional liability and assault exposures separate", "title": "Professional liability details for an armed security guard company", "answer": "Professional liability review for an armed security guard company starts with the services the firm promises to perform and the posts where those services are delivered. The underwriter will need to understand post orders, client contracts, supervision, training, incident response, use-of-force controls, and any allegation that the company failed to provide the contracted security service.", "prepare": [ "Schedule of services and post types, including banks, retail, healthcare, government, mobile patrol, and any cash-in-transit work", "Representative client contracts, post orders, indemnity terms, performance standards, and procedures for reporting service failures", "Armed officer roster with state licenses, firearm permits, annual qualification records, supervision, and de-escalation training", "Written use-of-force, incident escalation, complaint handling, and evidence-retention procedures", "Currently valued loss runs and a direct explanation of professional liability, assault, battery, firearm-discharge, and contract-related incidents" ], "boundary": "The $1 million per claim and aggregate limit shown here is Hedge's public target for this class, not a quote or promise of terms. Professional liability should not be assumed to replace general liability, assault and battery, workers compensation, auto, crime, or other coverage that may apply to the same operation or incident.", "reviewed_at": "2026-08-29" }, "hedge_form_paths": [ "/insurance-forms/hedge-security-guard-and-alarm-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-825-professional-specialty-applicant-section", "/insurance-form-guides/acord-832-miscellaneous-eo-section" ], "submission_requirements_path": "/submission-requirements/security-guard-armed" }, { "class_slug": "security-guard-armed", "class_name": "Security guards. Armed", "class_path": "/appetite/security-guard-armed", "coverage_slug": "commercial-auto", "coverage_name": "Commercial Auto and Trucking", "coverage_path": "/commercial-auto", "path": "/appetite/security-guard-armed/commercial-auto", "public_status": "In current public appetite", "published_line": "Commercial Auto", "published_target": "$1M CSL", "underwriting_facts": [ "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)" ], "stronger_profile": [ "Bank, ATM-servicing, and high-value retail posts", "State-licensed armed officers with annual qualification", "Documented de-escalation training and incident reporting" ], "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" ], "hedge_form_paths": [ "/insurance-forms/hedge-security-guard-and-alarm-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-127-business-auto-section", "/insurance-form-guides/acord-129-vehicle-schedule", "/insurance-form-guides/acord-163-driver-information-schedule" ], "submission_requirements_path": "/submission-requirements/security-guard-armed" }, { "class_slug": "security-guard-event", "class_name": "Security guards. Event & crowd control", "class_path": "/appetite/security-guard-event", "coverage_slug": "general-liability", "coverage_name": "Commercial General Liability", "coverage_path": "/general-liability", "path": "/appetite/security-guard-event/general-liability", "public_status": "In current public appetite", "published_line": "General Liability", "published_target": "$1M / $2M", "underwriting_facts": [ "Largest event capacity worked in last 12 months", "Event mix: concerts / festivals / sports / corporate", "Door staff training (TIPS, state equivalent)", "Coordination protocol with venue and local law enforcement", "Assault & battery loss runs, 5 years" ], "stronger_profile": [ "Corporate events, conferences, sporting venues", "Trained door staff with documented ID-check protocols", "Pre-event run sheet and incident-report process" ], "closer_review": [ "Music festivals over 5,000 attendees", "Bar/nightclub door staffing under contract", "Combat-sports and MMA events", "Stadium-anchor primary security without venue COI", "Unlicensed underground or pop-up event venues", "Executive/dignitary protection" ], "hedge_form_paths": [ "/insurance-forms/hedge-security-guard-and-alarm-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-126-commercial-general-liability-section" ], "submission_requirements_path": "/submission-requirements/security-guard-event" }, { "class_slug": "security-guard-event", "class_name": "Security guards. Event & crowd control", "class_path": "/appetite/security-guard-event", "coverage_slug": "misc-eo", "coverage_name": "Miscellaneous Professional Liability", "coverage_path": "/misc-eo", "path": "/appetite/security-guard-event/misc-eo", "public_status": "In current public appetite", "published_line": "Professional Liability (E&O)", "published_target": "$1M / $1M", "underwriting_facts": [ "Largest event capacity worked in last 12 months", "Event mix: concerts / festivals / sports / corporate", "Door staff training (TIPS, state equivalent)", "Coordination protocol with venue and local law enforcement", "Assault & battery loss runs, 5 years" ], "stronger_profile": [ "Corporate events, conferences, sporting venues", "Trained door staff with documented ID-check protocols", "Pre-event run sheet and incident-report process" ], "closer_review": [ "Music festivals over 5,000 attendees", "Bar/nightclub door staffing under contract", "Combat-sports and MMA events", "Stadium-anchor primary security without venue COI", "Unlicensed underground or pop-up event venues", "Executive/dignitary protection" ], "hedge_form_paths": [ "/insurance-forms/hedge-security-guard-and-alarm-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-825-professional-specialty-applicant-section", "/insurance-form-guides/acord-832-miscellaneous-eo-section" ], "submission_requirements_path": "/submission-requirements/security-guard-event" }, { "class_slug": "security-guard-k9", "class_name": "Security guards. K9 patrol", "class_path": "/appetite/security-guard-k9", "coverage_slug": "general-liability", "coverage_name": "Commercial General Liability", "coverage_path": "/general-liability", "path": "/appetite/security-guard-k9/general-liability", "public_status": "In current public appetite", "published_line": "General Liability", "published_target": "$1M / $2M", "underwriting_facts": [ "Number of K9 teams and dog breeds", "Handler certifications and training program", "Dog medical and bite-history records", "Posts list and signage protocol", "Bite incident loss runs, 5 years" ], "stronger_profile": [ "Detection or deterrent K9 in warehouses and yards", "Certified handler-dog teams, documented training cycles", "Posted signage and controlled-entry protocols" ], "closer_review": [ "Bite-trained dogs at public-facing posts (retail, events)", "K9 teams cross-trained for apprehension work", "Attack-trained dogs in residential or schools", "K9 teams without veterinary or training records" ], "hedge_form_paths": [ "/insurance-forms/hedge-security-guard-and-alarm-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-126-commercial-general-liability-section" ], "submission_requirements_path": "/submission-requirements/security-guard-k9" }, { "class_slug": "security-guard-k9", "class_name": "Security guards. K9 patrol", "class_path": "/appetite/security-guard-k9", "coverage_slug": "misc-eo", "coverage_name": "Miscellaneous Professional Liability", "coverage_path": "/misc-eo", "path": "/appetite/security-guard-k9/misc-eo", "public_status": "In current public appetite", "published_line": "Professional Liability (E&O)", "published_target": "$1M / $1M", "underwriting_facts": [ "Number of K9 teams and dog breeds", "Handler certifications and training program", "Dog medical and bite-history records", "Posts list and signage protocol", "Bite incident loss runs, 5 years" ], "stronger_profile": [ "Detection or deterrent K9 in warehouses and yards", "Certified handler-dog teams, documented training cycles", "Posted signage and controlled-entry protocols" ], "closer_review": [ "Bite-trained dogs at public-facing posts (retail, events)", "K9 teams cross-trained for apprehension work", "Attack-trained dogs in residential or schools", "K9 teams without veterinary or training records" ], "hedge_form_paths": [ "/insurance-forms/hedge-security-guard-and-alarm-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-825-professional-specialty-applicant-section", "/insurance-form-guides/acord-832-miscellaneous-eo-section" ], "submission_requirements_path": "/submission-requirements/security-guard-k9" }, { "class_slug": "security-guard-k9", "class_name": "Security guards. K9 patrol", "class_path": "/appetite/security-guard-k9", "coverage_slug": "commercial-auto", "coverage_name": "Commercial Auto and Trucking", "coverage_path": "/commercial-auto", "path": "/appetite/security-guard-k9/commercial-auto", "public_status": "In current public appetite", "published_line": "Commercial Auto", "published_target": "$1M CSL", "underwriting_facts": [ "Number of K9 teams and dog breeds", "Handler certifications and training program", "Dog medical and bite-history records", "Posts list and signage protocol", "Bite incident loss runs, 5 years" ], "stronger_profile": [ "Detection or deterrent K9 in warehouses and yards", "Certified handler-dog teams, documented training cycles", "Posted signage and controlled-entry protocols" ], "closer_review": [ "Bite-trained dogs at public-facing posts (retail, events)", "K9 teams cross-trained for apprehension work", "Attack-trained dogs in residential or schools", "K9 teams without veterinary or training records" ], "hedge_form_paths": [ "/insurance-forms/hedge-security-guard-and-alarm-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-127-business-auto-section", "/insurance-form-guides/acord-129-vehicle-schedule", "/insurance-form-guides/acord-163-driver-information-schedule" ], "submission_requirements_path": "/submission-requirements/security-guard-k9" }, { "class_slug": "security-guard-unarmed", "class_name": "Security guards. Unarmed contract", "class_path": "/appetite/security-guard-unarmed", "coverage_slug": "general-liability", "coverage_name": "Commercial General Liability", "coverage_path": "/general-liability", "path": "/appetite/security-guard-unarmed/general-liability", "public_status": "In current public appetite", "published_line": "General Liability", "published_target": "$1M / $2M", "underwriting_facts": [ "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" ], "stronger_profile": [ "Commercial property, retail, and office posts", "State-licensed guards, documented training program", "Written use-of-force policy, no prior A&B losses" ], "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" ], "hedge_form_paths": [ "/insurance-forms/hedge-security-guard-and-alarm-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-126-commercial-general-liability-section" ], "submission_requirements_path": "/submission-requirements/security-guard-unarmed" }, { "class_slug": "security-guard-unarmed", "class_name": "Security guards. Unarmed contract", "class_path": "/appetite/security-guard-unarmed", "coverage_slug": "misc-eo", "coverage_name": "Miscellaneous Professional Liability", "coverage_path": "/misc-eo", "path": "/appetite/security-guard-unarmed/misc-eo", "public_status": "In current public appetite", "published_line": "Professional Liability (E&O)", "published_target": "$1M / $1M", "underwriting_facts": [ "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" ], "stronger_profile": [ "Commercial property, retail, and office posts", "State-licensed guards, documented training program", "Written use-of-force policy, no prior A&B losses" ], "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" ], "hedge_form_paths": [ "/insurance-forms/hedge-security-guard-and-alarm-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-825-professional-specialty-applicant-section", "/insurance-form-guides/acord-832-miscellaneous-eo-section" ], "submission_requirements_path": "/submission-requirements/security-guard-unarmed" }, { "class_slug": "security-guard-unarmed", "class_name": "Security guards. Unarmed contract", "class_path": "/appetite/security-guard-unarmed", "coverage_slug": "commercial-auto", "coverage_name": "Commercial Auto and Trucking", "coverage_path": "/commercial-auto", "path": "/appetite/security-guard-unarmed/commercial-auto", "public_status": "In current public appetite", "published_line": "Commercial Auto (mobile patrol)", "published_target": "$1M CSL", "underwriting_facts": [ "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" ], "stronger_profile": [ "Commercial property, retail, and office posts", "State-licensed guards, documented training program", "Written use-of-force policy, no prior A&B losses" ], "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" ], "hedge_form_paths": [ "/insurance-forms/hedge-security-guard-and-alarm-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-127-business-auto-section", "/insurance-form-guides/acord-129-vehicle-schedule", "/insurance-form-guides/acord-163-driver-information-schedule" ], "submission_requirements_path": "/submission-requirements/security-guard-unarmed" }, { "class_slug": "self-storage", "class_name": "Self-storage facilities", "class_path": "/appetite/self-storage", "coverage_slug": "commercial-property", "coverage_name": "Commercial Property", "coverage_path": "/commercial-property", "path": "/appetite/self-storage/commercial-property", "public_status": "In current public appetite", "published_line": "Commercial Property", "published_target": "$25M TIV / loc", "underwriting_facts": [ "Total square footage + unit count", "% climate controlled", "Lease type (month-to-month)", "Auto-pay enrollment rate" ], "stronger_profile": [ "5,000-80,000 sq ft, mixed climate", "Tenant insurance enrollment > 50%", "Drive-up + interior units" ], "closer_review": [ "RV / boat storage as primary use", "Vehicle title transfers on site", "Container-only storage with no on-site presence", "Storage that doubles as workshop / live-in" ], "hedge_form_paths": [ "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-140-property-section" ], "submission_requirements_path": "/submission-requirements/self-storage" }, { "class_slug": "self-storage", "class_name": "Self-storage facilities", "class_path": "/appetite/self-storage", "coverage_slug": "general-liability", "coverage_name": "Commercial General Liability", "coverage_path": "/general-liability", "path": "/appetite/self-storage/general-liability", "public_status": "In current public appetite", "published_line": "General Liability", "published_target": "$1M / $2M", "underwriting_facts": [ "Total square footage + unit count", "% climate controlled", "Lease type (month-to-month)", "Auto-pay enrollment rate" ], "stronger_profile": [ "5,000-80,000 sq ft, mixed climate", "Tenant insurance enrollment > 50%", "Drive-up + interior units" ], "closer_review": [ "RV / boat storage as primary use", "Vehicle title transfers on site", "Container-only storage with no on-site presence", "Storage that doubles as workshop / live-in" ], "hedge_form_paths": [ "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-126-commercial-general-liability-section" ], "submission_requirements_path": "/submission-requirements/self-storage" }, { "class_slug": "self-storage", "class_name": "Self-storage facilities", "class_path": "/appetite/self-storage", "coverage_slug": "inland-marine", "coverage_name": "Inland Marine", "coverage_path": "/inland-marine", "path": "/appetite/self-storage/inland-marine", "public_status": "In current public appetite", "published_line": "Customer Goods Legal Liability", "published_target": "$5K / unit", "underwriting_facts": [ "Total square footage + unit count", "% climate controlled", "Lease type (month-to-month)", "Auto-pay enrollment rate" ], "stronger_profile": [ "5,000-80,000 sq ft, mixed climate", "Tenant insurance enrollment > 50%", "Drive-up + interior units" ], "closer_review": [ "RV / boat storage as primary use", "Vehicle title transfers on site", "Container-only storage with no on-site presence", "Storage that doubles as workshop / live-in" ], "hedge_form_paths": [ "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-152-commercial-inland-marine-section" ], "submission_requirements_path": "/submission-requirements/self-storage" }, { "class_slug": "sfr-landlord", "class_name": "Single-family & 1-4 unit landlord", "class_path": "/appetite/sfr-landlord", "coverage_slug": "commercial-property", "coverage_name": "Commercial Property", "coverage_path": "/commercial-property", "path": "/appetite/sfr-landlord/commercial-property", "public_status": "In current public appetite", "published_line": "Commercial Property", "published_target": "$1.5M TIV / loc", "underwriting_facts": [ "5-year loss runs (property + GL)", "Roof age and last replacement date", "Plumbing material and last update", "Electrical update history (no knob-and-tube / aluminum)", "Occupancy status (tenant-occupied 12+ months)", "ITV worksheet", "Deductible preference ($2,500 / $5,000 / $10,000)" ], "stronger_profile": [ "1-4 unit SFR, duplex, triplex, fourplex", "Frame through fire-resistive construction", "Protection Class 1-7", "Tenant-occupied 12+ months", "Maintained roof under 20 years old" ], "closer_review": [ "Section 8 housing over 30% of units", "Short-vacancy under 60 days", "Wind-exposed coastal counties (variable W/H deductible)", "Short-term / vacation rentals (Airbnb, VRBO)", "Condominiums, townhomes, rowhomes", "Vacant over 60 consecutive days", "Mobile, manufactured, or modular homes", "Owner-occupied residences", "Student housing", "Barrier island locations", "Protection Class 8-10" ], "hedge_form_paths": [ "/insurance-forms/hedge-lessors-risk-only-lro-supplemental", "/insurance-forms/hedge-schedule-of-locations-supplement", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-140-property-section" ], "submission_requirements_path": "/submission-requirements/sfr-landlord" }, { "class_slug": "sfr-landlord", "class_name": "Single-family & 1-4 unit landlord", "class_path": "/appetite/sfr-landlord", "coverage_slug": "general-liability", "coverage_name": "Commercial General Liability", "coverage_path": "/general-liability", "path": "/appetite/sfr-landlord/general-liability", "public_status": "In current public appetite", "published_line": "General Liability", "published_target": "$1M / $2M", "underwriting_facts": [ "5-year loss runs (property + GL)", "Roof age and last replacement date", "Plumbing material and last update", "Electrical update history (no knob-and-tube / aluminum)", "Occupancy status (tenant-occupied 12+ months)", "ITV worksheet", "Deductible preference ($2,500 / $5,000 / $10,000)" ], "stronger_profile": [ "1-4 unit SFR, duplex, triplex, fourplex", "Frame through fire-resistive construction", "Protection Class 1-7", "Tenant-occupied 12+ months", "Maintained roof under 20 years old" ], "closer_review": [ "Section 8 housing over 30% of units", "Short-vacancy under 60 days", "Wind-exposed coastal counties (variable W/H deductible)", "Short-term / vacation rentals (Airbnb, VRBO)", "Condominiums, townhomes, rowhomes", "Vacant over 60 consecutive days", "Mobile, manufactured, or modular homes", "Owner-occupied residences", "Student housing", "Barrier island locations", "Protection Class 8-10" ], "hedge_form_paths": [ "/insurance-forms/hedge-lessors-risk-only-lro-supplemental", "/insurance-forms/hedge-schedule-of-locations-supplement", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-126-commercial-general-liability-section" ], "submission_requirements_path": "/submission-requirements/sfr-landlord" }, { "class_slug": "small-clinic", "class_name": "Small medical clinics", "class_path": "/appetite/small-clinic", "coverage_slug": "medical-malpractice", "coverage_name": "Medical Professional Liability", "coverage_path": "/medical-malpractice", "path": "/appetite/small-clinic/medical-malpractice", "public_status": "Review case by case", "published_line": "Medical Malpractice", "published_target": "$1M / $3M", "underwriting_facts": [ "Specialty + procedures performed", "Provider count (MD, NP, PA, RN)", "Patient volume", "5-year claims history" ], "stronger_profile": [ "Primary care, family medicine", "Procedure-light practices", "1-10 providers" ], "closer_review": [ "Urgent care with imaging", "Pain management / opioid Rx", "Cosmetic procedures (Botox, fillers)", "OB/GYN deliveries (separate market)", "Plastic surgery / liposuction", "Bariatric surgery" ], "hedge_form_paths": [ "/insurance-forms/hedge-allied-health-and-medical-professional-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-196-medical-professional-liability-application" ], "submission_requirements_path": "/submission-requirements/small-clinic" }, { "class_slug": "small-clinic", "class_name": "Small medical clinics", "class_path": "/appetite/small-clinic", "coverage_slug": "general-liability", "coverage_name": "Commercial General Liability", "coverage_path": "/general-liability", "path": "/appetite/small-clinic/general-liability", "public_status": "Review case by case", "published_line": "General Liability", "published_target": "$1M / $2M", "underwriting_facts": [ "Specialty + procedures performed", "Provider count (MD, NP, PA, RN)", "Patient volume", "5-year claims history" ], "stronger_profile": [ "Primary care, family medicine", "Procedure-light practices", "1-10 providers" ], "closer_review": [ "Urgent care with imaging", "Pain management / opioid Rx", "Cosmetic procedures (Botox, fillers)", "OB/GYN deliveries (separate market)", "Plastic surgery / liposuction", "Bariatric surgery" ], "hedge_form_paths": [ "/insurance-forms/hedge-allied-health-and-medical-professional-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-126-commercial-general-liability-section" ], "submission_requirements_path": "/submission-requirements/small-clinic" }, { "class_slug": "small-clinic", "class_name": "Small medical clinics", "class_path": "/appetite/small-clinic", "coverage_slug": "cyber-tech-eo", "coverage_name": "Cyber Liability and Technology E&O", "coverage_path": "/cyber-tech-eo", "path": "/appetite/small-clinic/cyber-tech-eo", "public_status": "Review case by case", "published_line": "Cyber & Tech E&O", "published_target": "$2M / $2M", "underwriting_facts": [ "Specialty + procedures performed", "Provider count (MD, NP, PA, RN)", "Patient volume", "5-year claims history" ], "stronger_profile": [ "Primary care, family medicine", "Procedure-light practices", "1-10 providers" ], "closer_review": [ "Urgent care with imaging", "Pain management / opioid Rx", "Cosmetic procedures (Botox, fillers)", "OB/GYN deliveries (separate market)", "Plastic surgery / liposuction", "Bariatric surgery" ], "hedge_form_paths": [ "/insurance-forms/hedge-allied-health-and-medical-professional-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-834-cyber-and-privacy-coverage-section", "/insurance-form-guides/acord-180-technology-eo-section" ], "submission_requirements_path": "/submission-requirements/small-clinic" }, { "class_slug": "small-clinic", "class_name": "Small medical clinics", "class_path": "/appetite/small-clinic", "coverage_slug": "employment-practices", "coverage_name": "Employment Practices Liability", "coverage_path": "/employment-practices", "path": "/appetite/small-clinic/employment-practices", "public_status": "Review case by case", "published_line": "EPL", "published_target": "$1M", "underwriting_facts": [ "Specialty + procedures performed", "Provider count (MD, NP, PA, RN)", "Patient volume", "5-year claims history" ], "stronger_profile": [ "Primary care, family medicine", "Procedure-light practices", "1-10 providers" ], "closer_review": [ "Urgent care with imaging", "Pain management / opioid Rx", "Cosmetic procedures (Botox, fillers)", "OB/GYN deliveries (separate market)", "Plastic surgery / liposuction", "Bariatric surgery" ], "hedge_form_paths": [ "/insurance-forms/hedge-allied-health-and-medical-professional-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-825-professional-specialty-applicant-section", "/insurance-form-guides/acord-827-employment-practices-liability-section" ], "submission_requirements_path": "/submission-requirements/small-clinic" }, { "class_slug": "tech-saas", "class_name": "Tech & SaaS companies", "class_path": "/appetite/tech-saas", "coverage_slug": "cyber-tech-eo", "coverage_name": "Cyber Liability and Technology E&O", "coverage_path": "/cyber-tech-eo", "path": "/appetite/tech-saas/cyber-tech-eo", "public_status": "In current public appetite", "published_line": "Cyber & Tech E&O", "published_target": "$5M / $5M combined", "underwriting_facts": [ "Revenue (last 12 months)", "Customer count + largest 5 contracts", "Data processed (PII, PHI, PCI)", "SOC 2 / ISO 27001 status", "Subprocessors + cloud providers" ], "stronger_profile": [ "B2B SaaS, $1M-$50M revenue", "SOC 2 Type II in place", "MFA + endpoint detection" ], "closer_review": [ "Crypto / blockchain (referral)", "Generative AI products", "Pre-revenue with raised funding", "Adult content platforms", "Online gambling / lottery" ], "hedge_form_paths": [ "/insurance-forms/hedge-cyber-and-technology-e-and-o-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-834-cyber-and-privacy-coverage-section", "/insurance-form-guides/acord-180-technology-eo-section" ], "submission_requirements_path": "/submission-requirements/tech-saas" }, { "class_slug": "tech-saas", "class_name": "Tech & SaaS companies", "class_path": "/appetite/tech-saas", "coverage_slug": "general-liability", "coverage_name": "Commercial General Liability", "coverage_path": "/general-liability", "path": "/appetite/tech-saas/general-liability", "public_status": "In current public appetite", "published_line": "General Liability", "published_target": "$1M / $2M", "underwriting_facts": [ "Revenue (last 12 months)", "Customer count + largest 5 contracts", "Data processed (PII, PHI, PCI)", "SOC 2 / ISO 27001 status", "Subprocessors + cloud providers" ], "stronger_profile": [ "B2B SaaS, $1M-$50M revenue", "SOC 2 Type II in place", "MFA + endpoint detection" ], "closer_review": [ "Crypto / blockchain (referral)", "Generative AI products", "Pre-revenue with raised funding", "Adult content platforms", "Online gambling / lottery" ], "hedge_form_paths": [ "/insurance-forms/hedge-cyber-and-technology-e-and-o-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-126-commercial-general-liability-section" ], "submission_requirements_path": "/submission-requirements/tech-saas" }, { "class_slug": "tech-saas", "class_name": "Tech & SaaS companies", "class_path": "/appetite/tech-saas", "coverage_slug": "management-liability", "coverage_name": "Management Liability", "coverage_path": "/management-liability", "path": "/appetite/tech-saas/management-liability", "public_status": "In current public appetite", "published_line": "D&O (private)", "published_target": "$5M", "underwriting_facts": [ "Revenue (last 12 months)", "Customer count + largest 5 contracts", "Data processed (PII, PHI, PCI)", "SOC 2 / ISO 27001 status", "Subprocessors + cloud providers" ], "stronger_profile": [ "B2B SaaS, $1M-$50M revenue", "SOC 2 Type II in place", "MFA + endpoint detection" ], "closer_review": [ "Crypto / blockchain (referral)", "Generative AI products", "Pre-revenue with raised funding", "Adult content platforms", "Online gambling / lottery" ], "hedge_form_paths": [ "/insurance-forms/hedge-cyber-and-technology-e-and-o-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-825-professional-specialty-applicant-section", "/insurance-form-guides/acord-807-directors-officers-liability-section" ], "submission_requirements_path": "/submission-requirements/tech-saas" }, { "class_slug": "tech-saas", "class_name": "Tech & SaaS companies", "class_path": "/appetite/tech-saas", "coverage_slug": "employment-practices", "coverage_name": "Employment Practices Liability", "coverage_path": "/employment-practices", "path": "/appetite/tech-saas/employment-practices", "public_status": "In current public appetite", "published_line": "EPL", "published_target": "$3M", "underwriting_facts": [ "Revenue (last 12 months)", "Customer count + largest 5 contracts", "Data processed (PII, PHI, PCI)", "SOC 2 / ISO 27001 status", "Subprocessors + cloud providers" ], "stronger_profile": [ "B2B SaaS, $1M-$50M revenue", "SOC 2 Type II in place", "MFA + endpoint detection" ], "closer_review": [ "Crypto / blockchain (referral)", "Generative AI products", "Pre-revenue with raised funding", "Adult content platforms", "Online gambling / lottery" ], "hedge_form_paths": [ "/insurance-forms/hedge-cyber-and-technology-e-and-o-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-825-professional-specialty-applicant-section", "/insurance-form-guides/acord-827-employment-practices-liability-section" ], "submission_requirements_path": "/submission-requirements/tech-saas" }, { "class_slug": "tree-trimming", "class_name": "Tree trimming & removal", "class_path": "/appetite/tree-trimming", "coverage_slug": "general-liability", "coverage_name": "Commercial General Liability", "coverage_path": "/general-liability", "path": "/appetite/tree-trimming/general-liability", "public_status": "Review case by case", "published_line": "General Liability", "published_target": "$1M / $2M", "underwriting_facts": [ "Max tree height (current job site)", "Bucket truck or climber?", "ISA-certified arborist on staff?", "Power line proximity work", "% residential vs. municipal" ], "stronger_profile": [ "ISA-certified, no power line work", "Trim 70% / removal 30% mix", "5+ years in business" ], "closer_review": [ "Crane-assisted removal", "Storm-chasing crews", "Work within 10 ft of power lines", "Utility-contractor tree trimming (separate market)", "Solo operators with no climbing certs" ], "hedge_form_paths": [ "/insurance-forms/hedge-contractors-supplemental", "/insurance-forms/hedge-workers-compensation-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-126-commercial-general-liability-section" ], "submission_requirements_path": "/submission-requirements/tree-trimming" }, { "class_slug": "tree-trimming", "class_name": "Tree trimming & removal", "class_path": "/appetite/tree-trimming", "coverage_slug": "commercial-auto", "coverage_name": "Commercial Auto and Trucking", "coverage_path": "/commercial-auto", "path": "/appetite/tree-trimming/commercial-auto", "public_status": "Review case by case", "published_line": "Commercial Auto", "published_target": "$1M CSL", "underwriting_facts": [ "Max tree height (current job site)", "Bucket truck or climber?", "ISA-certified arborist on staff?", "Power line proximity work", "% residential vs. municipal" ], "stronger_profile": [ "ISA-certified, no power line work", "Trim 70% / removal 30% mix", "5+ years in business" ], "closer_review": [ "Crane-assisted removal", "Storm-chasing crews", "Work within 10 ft of power lines", "Utility-contractor tree trimming (separate market)", "Solo operators with no climbing certs" ], "hedge_form_paths": [ "/insurance-forms/hedge-contractors-supplemental", "/insurance-forms/hedge-workers-compensation-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-127-business-auto-section", "/insurance-form-guides/acord-129-vehicle-schedule", "/insurance-form-guides/acord-163-driver-information-schedule" ], "submission_requirements_path": "/submission-requirements/tree-trimming" }, { "class_slug": "tree-trimming", "class_name": "Tree trimming & removal", "class_path": "/appetite/tree-trimming", "coverage_slug": "inland-marine", "coverage_name": "Inland Marine", "coverage_path": "/inland-marine", "path": "/appetite/tree-trimming/inland-marine", "public_status": "Review case by case", "published_line": "Inland Marine (saws, climbing gear)", "published_target": "$50K", "underwriting_facts": [ "Max tree height (current job site)", "Bucket truck or climber?", "ISA-certified arborist on staff?", "Power line proximity work", "% residential vs. municipal" ], "stronger_profile": [ "ISA-certified, no power line work", "Trim 70% / removal 30% mix", "5+ years in business" ], "closer_review": [ "Crane-assisted removal", "Storm-chasing crews", "Work within 10 ft of power lines", "Utility-contractor tree trimming (separate market)", "Solo operators with no climbing certs" ], "hedge_form_paths": [ "/insurance-forms/hedge-contractors-supplemental", "/insurance-forms/hedge-workers-compensation-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-152-commercial-inland-marine-section" ], "submission_requirements_path": "/submission-requirements/tree-trimming" }, { "class_slug": "trucking-small-fleet", "class_name": "Trucking. small fleet (1-10 power units)", "class_path": "/appetite/trucking-small-fleet", "coverage_slug": "commercial-auto", "coverage_name": "Commercial Auto and Trucking", "coverage_path": "/commercial-auto", "path": "/appetite/trucking-small-fleet/commercial-auto", "public_status": "In current public appetite", "published_line": "Commercial Auto Liability", "published_target": "$1M CSL", "underwriting_facts": [ "MC number + USDOT", "Driver MVRs (last 3 years)", "Radius of operation", "Commodity hauled", "5-year loss runs" ], "stronger_profile": [ "Local/intermediate radius (≤ 500 mi)", "Dry van / refrigerated", "CDL drivers, 3+ years experience" ], "closer_review": [ "Long-haul (> 500 mi radius)", "New ventures (< 1 year MC)", "High-value cargo (electronics, pharma)", "Hazmat placardable loads", "Tankers (chemical)", "Auto haulers without specialty form" ], "class_specific_detail": { "class_slug": "trucking-small-fleet", "coverage_slug": "commercial-auto", "class_name": "Small fleet trucking (1 to 10 power units)", "search_title": "Small Fleet Trucking Insurance (1 to 10 Units) | Hedge", "search_description": "Commercial auto guidance for small trucking fleets, including units, drivers, authority, radius, commodities, losses, maintenance, and safety controls.", "heading": "Commercial auto insurance for small trucking fleets", "kicker": "Small fleet trucking details", "boundary_title": "Keep each trucking coverage separate", "title": "What underwriters review for a small trucking fleet", "answer": "A small fleet trucking review starts with the business's operating authority, power units, drivers, normal and maximum radius, states traveled, commodities hauled, and loss record. The underwriter will also need to understand vehicle ownership, garaging, maintenance, driver hiring, dispatch, safety controls, and any new-venture or long-haul exposure.", "prepare": [ "Unit schedule with year, make, model, VIN, power-unit type, ownership, garaging, stated value, and requested physical damage coverage", "Driver list with license and CDL details, experience, hire date, vehicle assignment, and current motor vehicle records", "Operating narrative with MC and USDOT numbers, normal and maximum radius, states traveled, commodities, contracts, and annual mileage", "Currently valued loss runs for each requested line, plus a direct explanation of material accidents, violations, open claims, or driver changes", "Maintenance, inspection, driver qualification, dispatch, hours-of-service, telematics, and written safety procedures" ], "boundary": "The $1 million combined single limit shown here is Hedge's public target for commercial auto liability, not a quote or promise of terms. Motor truck cargo, physical damage, general liability, trailer interchange, non-trucking liability, and other coverages should be reviewed separately instead of being assumed to follow the auto liability policy.", "reviewed_at": "2026-08-29" }, "hedge_form_paths": [ "/insurance-forms/hedge-commercial-auto-and-trucking-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-127-business-auto-section", "/insurance-form-guides/acord-129-vehicle-schedule", "/insurance-form-guides/acord-163-driver-information-schedule" ], "submission_requirements_path": "/submission-requirements/trucking-small-fleet" }, { "class_slug": "trucking-small-fleet", "class_name": "Trucking. small fleet (1-10 power units)", "class_path": "/appetite/trucking-small-fleet", "coverage_slug": "inland-marine", "coverage_name": "Inland Marine", "coverage_path": "/inland-marine", "path": "/appetite/trucking-small-fleet/inland-marine", "public_status": "In current public appetite", "published_line": "Motor Truck Cargo", "published_target": "$100K", "underwriting_facts": [ "MC number + USDOT", "Driver MVRs (last 3 years)", "Radius of operation", "Commodity hauled", "5-year loss runs" ], "stronger_profile": [ "Local/intermediate radius (≤ 500 mi)", "Dry van / refrigerated", "CDL drivers, 3+ years experience" ], "closer_review": [ "Long-haul (> 500 mi radius)", "New ventures (< 1 year MC)", "High-value cargo (electronics, pharma)", "Hazmat placardable loads", "Tankers (chemical)", "Auto haulers without specialty form" ], "hedge_form_paths": [ "/insurance-forms/hedge-commercial-auto-and-trucking-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-152-commercial-inland-marine-section" ], "submission_requirements_path": "/submission-requirements/trucking-small-fleet" }, { "class_slug": "trucking-small-fleet", "class_name": "Trucking. small fleet (1-10 power units)", "class_path": "/appetite/trucking-small-fleet", "coverage_slug": "general-liability", "coverage_name": "Commercial General Liability", "coverage_path": "/general-liability", "path": "/appetite/trucking-small-fleet/general-liability", "public_status": "In current public appetite", "published_line": "General Liability", "published_target": "$1M / $2M", "underwriting_facts": [ "MC number + USDOT", "Driver MVRs (last 3 years)", "Radius of operation", "Commodity hauled", "5-year loss runs" ], "stronger_profile": [ "Local/intermediate radius (≤ 500 mi)", "Dry van / refrigerated", "CDL drivers, 3+ years experience" ], "closer_review": [ "Long-haul (> 500 mi radius)", "New ventures (< 1 year MC)", "High-value cargo (electronics, pharma)", "Hazmat placardable loads", "Tankers (chemical)", "Auto haulers without specialty form" ], "hedge_form_paths": [ "/insurance-forms/hedge-commercial-auto-and-trucking-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-126-commercial-general-liability-section" ], "submission_requirements_path": "/submission-requirements/trucking-small-fleet" }, { "class_slug": "vacant-building", "class_name": "Vacant commercial buildings", "class_path": "/appetite/vacant-building", "coverage_slug": "commercial-property", "coverage_name": "Commercial Property", "coverage_path": "/commercial-property", "path": "/appetite/vacant-building/commercial-property", "public_status": "In current public appetite", "published_line": "Commercial Property", "published_target": "$10M / loc", "underwriting_facts": [ "Date of last occupancy", "Renovation timeline + permits", "Security: alarm, fencing, lighting", "Utilities status (winter heat critical)", "Photos of all 4 elevations" ], "stronger_profile": [ "Under renovation with active permits", "Central station alarm + sprinklers", "Plans to re-occupy within 12 months" ], "closer_review": [ "Vacant > 12 months", "No security and no sprinklers", "Habitational vacancy mid-tenant", "Vacant residential mid-rehab (use flip-rehab)", "Condemned or distressed properties", "Open frame / no roof", "Active arson investigation in neighborhood" ], "hedge_form_paths": [ "/insurance-forms/hedge-vacant-building-and-land-supplemental", "/insurance-forms/hedge-schedule-of-locations-supplement", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-140-property-section" ], "submission_requirements_path": "/submission-requirements/vacant-building" }, { "class_slug": "vacant-building", "class_name": "Vacant commercial buildings", "class_path": "/appetite/vacant-building", "coverage_slug": "general-liability", "coverage_name": "Commercial General Liability", "coverage_path": "/general-liability", "path": "/appetite/vacant-building/general-liability", "public_status": "In current public appetite", "published_line": "General Liability", "published_target": "$1M / $2M", "underwriting_facts": [ "Date of last occupancy", "Renovation timeline + permits", "Security: alarm, fencing, lighting", "Utilities status (winter heat critical)", "Photos of all 4 elevations" ], "stronger_profile": [ "Under renovation with active permits", "Central station alarm + sprinklers", "Plans to re-occupy within 12 months" ], "closer_review": [ "Vacant > 12 months", "No security and no sprinklers", "Habitational vacancy mid-tenant", "Vacant residential mid-rehab (use flip-rehab)", "Condemned or distressed properties", "Open frame / no roof", "Active arson investigation in neighborhood" ], "hedge_form_paths": [ "/insurance-forms/hedge-vacant-building-and-land-supplemental", "/insurance-forms/hedge-schedule-of-locations-supplement", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-126-commercial-general-liability-section" ], "submission_requirements_path": "/submission-requirements/vacant-building" }, { "class_slug": "warehouse", "class_name": "Warehouses & distribution", "class_path": "/appetite/warehouse", "coverage_slug": "commercial-property", "coverage_name": "Commercial Property", "coverage_path": "/commercial-property", "path": "/appetite/warehouse/commercial-property", "public_status": "In current public appetite", "published_line": "Commercial Property", "published_target": "$50M TIV / loc", "underwriting_facts": [ "Commodity class (food, electronics, etc.)", "Rack height + sprinkler rating", "Forklift count + drivers", "Hours of operation", "% own stock vs. customer goods" ], "stronger_profile": [ "ESFR sprinklers in racked storage", "Class I-IV non-hazardous commodities", "On-site security after hours" ], "closer_review": [ "Cold storage (refrigeration breakdown coverage needed)", "Plastic / aerosol storage", "Cross-dock with no real storage", "Hazardous materials > Class IV", "Self-storage with public access (separate market)" ], "hedge_form_paths": [ "/insurance-forms/hedge-schedule-of-locations-supplement", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-140-property-section" ], "submission_requirements_path": "/submission-requirements/warehouse" }, { "class_slug": "warehouse", "class_name": "Warehouses & distribution", "class_path": "/appetite/warehouse", "coverage_slug": "general-liability", "coverage_name": "Commercial General Liability", "coverage_path": "/general-liability", "path": "/appetite/warehouse/general-liability", "public_status": "In current public appetite", "published_line": "General Liability", "published_target": "$1M / $2M", "underwriting_facts": [ "Commodity class (food, electronics, etc.)", "Rack height + sprinkler rating", "Forklift count + drivers", "Hours of operation", "% own stock vs. customer goods" ], "stronger_profile": [ "ESFR sprinklers in racked storage", "Class I-IV non-hazardous commodities", "On-site security after hours" ], "closer_review": [ "Cold storage (refrigeration breakdown coverage needed)", "Plastic / aerosol storage", "Cross-dock with no real storage", "Hazardous materials > Class IV", "Self-storage with public access (separate market)" ], "hedge_form_paths": [ "/insurance-forms/hedge-schedule-of-locations-supplement", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-126-commercial-general-liability-section" ], "submission_requirements_path": "/submission-requirements/warehouse" }, { "class_slug": "warehouse", "class_name": "Warehouses & distribution", "class_path": "/appetite/warehouse", "coverage_slug": "inland-marine", "coverage_name": "Inland Marine", "coverage_path": "/inland-marine", "path": "/appetite/warehouse/inland-marine", "public_status": "In current public appetite", "published_line": "Inland Marine (BPP)", "published_target": "$5M (if shipping)", "underwriting_facts": [ "Commodity class (food, electronics, etc.)", "Rack height + sprinkler rating", "Forklift count + drivers", "Hours of operation", "% own stock vs. customer goods" ], "stronger_profile": [ "ESFR sprinklers in racked storage", "Class I-IV non-hazardous commodities", "On-site security after hours" ], "closer_review": [ "Cold storage (refrigeration breakdown coverage needed)", "Plastic / aerosol storage", "Cross-dock with no real storage", "Hazardous materials > Class IV", "Self-storage with public access (separate market)" ], "hedge_form_paths": [ "/insurance-forms/hedge-schedule-of-locations-supplement", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-152-commercial-inland-marine-section" ], "submission_requirements_path": "/submission-requirements/warehouse" }, { "class_slug": "warehouse", "class_name": "Warehouses & distribution", "class_path": "/appetite/warehouse", "coverage_slug": "product-liability", "coverage_name": "Products Liability", "coverage_path": "/product-liability", "path": "/appetite/warehouse/product-liability", "public_status": "In current public appetite", "published_line": "Product Liability", "published_target": "Per goods stored", "underwriting_facts": [ "Commodity class (food, electronics, etc.)", "Rack height + sprinkler rating", "Forklift count + drivers", "Hours of operation", "% own stock vs. customer goods" ], "stronger_profile": [ "ESFR sprinklers in racked storage", "Class I-IV non-hazardous commodities", "On-site security after hours" ], "closer_review": [ "Cold storage (refrigeration breakdown coverage needed)", "Plastic / aerosol storage", "Cross-dock with no real storage", "Hazardous materials > Class IV", "Self-storage with public access (separate market)" ], "hedge_form_paths": [ "/insurance-forms/hedge-schedule-of-locations-supplement", "/insurance-forms/hedge-loss-and-claims-supplement" ], "standard_form_guide_paths": [ "/insurance-form-guides/acord-125-commercial-insurance-application", "/insurance-form-guides/acord-126-commercial-general-liability-section" ], "submission_requirements_path": "/submission-requirements/warehouse" } ] }