{ "version": 1, "reviewed_at": "2026-08-24", "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" ], "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", 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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" ], "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 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