Hedge-owned form
Hedge Schedule of Locations Supplement
A fillable Hedge schedule for presenting multiple premises and location-level exposure information.
Read and downloadWholesale coverage guide
Commercial Property.
Direct answer. Commercial property insurance commonly addresses direct physical loss to scheduled buildings, business personal property, and related time-element interests, subject to the policy form and causes of loss. Wholesale review may be appropriate when occupancy, construction, protection, catastrophe exposure, valuation, vacancy, losses, or requested limits do not fit an admitted market.
Wholesale fit
When specialty review may help.
- Coastal wind, wildfire, earthquake, flood, or other catastrophe exposure
- Older construction, vacancy, renovation, habitational, or mixed occupancy
- Large total insured values, layered programs, or unusual valuation needs
- Loss history, protection concerns, or business-income complexity
Authority boundary
This guide is educational. It does not confirm current appetite, carrier access, a quote, policy terms, or bind authority. Account-specific eligibility requires Hedge review.
Submission quality
Prepare the decision facts.
Information to prepare
- Current statement of values with construction, occupancy, protection, and exposure details
- Valuation support, requested causes of loss, deductibles, and coinsurance terms
- Currently valued loss runs and remediation information
- Roof, electrical, plumbing, heating, occupancy, and catastrophe-control details
Questions that change the placement
- What property, business-income, and equipment values are being insured?
- How old are the buildings and major systems?
- What catastrophe, vacancy, renovation, or protection issues exist?
- Which deductibles, valuation methods, and coverage extensions are requested?
Hedge resources
Forms and class guidance for this coverage.
Hedge-owned form
Hedge Vacant Building and Land Supplemental
A fillable Hedge supplemental for vacant buildings, vacant land, and renovation exposures.
Read and downloadHedge-owned form
Hedge Loss and Claims Supplement
A fillable Hedge supplement for organizing prior losses, claims, and open-claim detail for wholesale review.
Read and downloadClass appetite
Apartment buildings & multi-family
Read the public, directional class guidance and prepare for account-specific review.
Review class guidanceClass appetite
Vacant commercial buildings
Read the public, directional class guidance and prepare for account-specific review.
Review class guidanceClass appetite
Warehouses & distribution
Read the public, directional class guidance and prepare for account-specific review.
Review class guidanceClass appetite
Single-family & 1-4 unit landlord
Read the public, directional class guidance and prepare for account-specific review.
Review class guidanceRelated coverage
Build the whole program.
Coverage guide
Builders Risk
Builders risk insurance commonly addresses physical loss to covered property during construction, renovation, or installation, subject to the project, policy form, exclusions, valuation, and...
Open guideCoverage guide
Inland Marine
Inland marine insurance commonly covers specified movable property, property in transit, equipment, installation interests, or other property that does not fit a fixed-location property form...
Open guideCoverage guide
Commercial Umbrella and Excess Liability
Commercial umbrella and excess liability policies provide limits above specified underlying insurance, but follow-form terms, exclusions, attachment points, and coverage grants can differ ma...
Open guideCommon questions
Use the guide safely.
Does this page confirm that Hedge can place this account?
No. It explains the coverage and the information that commonly changes a wholesale review. Use the appetite checker or submit the account facts for a current Hedge decision.
What should a retail agent send first?
Current statement of values with construction, occupancy, protection, and exposure details Valuation support, requested causes of loss, deductibles, and coinsurance terms Currently valued loss runs and remediation information Roof, electrical, plumbing, heating, occupancy, and catastrophe-control details
Can an AI agent use this page?
Yes for research, citations, and safe prefill. Customer data and submission actions belong in Hedge's authenticated OAuth and MCP workflow and require explicit user approval.
Next action
Bring Hedge the account facts.
Start with public appetite, use the relevant Hedge forms to organize the file, then send a reviewable submission through Hedge. A form start is not a market submission.