Hedge-owned form
Hedge Excess and Umbrella Supplemental
A fillable Hedge supplemental for excess and umbrella liability submissions.
Read and downloadWholesale coverage guide
Commercial Umbrella and Excess Liability.
Direct answer. Commercial umbrella and excess liability policies provide limits above specified underlying insurance, but follow-form terms, exclusions, attachment points, and coverage grants can differ materially. Wholesale review is common when the underlying operations, tower size, attachment, carrier mix, loss history, or requested coverage is difficult.
Wholesale fit
When specialty review may help.
- Large or layered towers and unsupported excess
- High-hazard classes, difficult venues, contracting, transportation, or products exposure
- Underlying policies from multiple or nonadmitted insurers
- Claims history or requested follow-form treatment outside standard appetite
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
- Complete schedule of underlying insurance with forms and endorsements
- Requested tower, attachment points, and target effective date
- Operations, exposure, vehicle, payroll, revenue, and location schedules
- Currently valued loss runs for every relevant underlying line
Questions that change the placement
- Which policies and limits must the excess layer follow?
- Is the request supported, unsupported, lead, or excess of excess?
- Which exclusions or gaps in the underlying program require attention?
- What loss development or aggregation could affect the tower?
Hedge resources
Forms and class guidance for this coverage.
Hedge-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
Community association excess liability
Read the public, directional class guidance and prepare for account-specific review.
Review class guidanceClass appetite
General contractors
Read the public, directional class guidance and prepare for account-specific review.
Review class guidanceClass appetite
Security guards. Armed
Read the public, directional class guidance and prepare for account-specific review.
Review class guidanceRelated coverage
Build the whole program.
Coverage guide
Commercial General Liability
Commercial general liability commonly addresses third-party bodily injury, property damage, and personal and advertising injury, subject to the actual policy terms, exclusions, and endorseme...
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Commercial Auto and Trucking
Commercial auto insurance commonly addresses liability and physical damage arising from scheduled business vehicles, while motor carrier programs may add cargo, trailer, non-trucking, or oth...
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Products Liability
Products liability commonly addresses claims alleging bodily injury or property damage caused by a product, subject to policy terms and exclusions. Product type, end use, distribution, warni...
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?
Complete schedule of underlying insurance with forms and endorsements Requested tower, attachment points, and target effective date Operations, exposure, vehicle, payroll, revenue, and location schedules Currently valued loss runs for every relevant underlying line
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.