One national relationship.
Hedge serves eligible difficult commercial risks across the U.S. through one consistent relationship.
Why agencies choose Hedge over CMI ProRisk
Hedge vs CMI ProRisk
Consider Hedge when the account spans casualty, property, auto, or other lines alongside professional liability. CMI ProRisk may fit better when the risk is professional or management liability and requires detailed forms and market expertise. Confirm the proposed team, market route, and quoted terms for the account.
National reachResponsive serviceNo Hedge wholesale feeSame four-person team
Named-team wholesale optionHedgeResponsive service. No wholesale fee.
VS
Alternative service modelCMI ProRiskIndependent specialist
NationalOne Hedge relationship for eligible difficult commercial risks across the U.S.
Quote supportPrompt review and clear updates as we pursue market quotes
Wholesale feeNo Hedge wholesale fee, no sub-brokering, and no layered commission stacks
Account teamThe same four people through intake, bind, renewal, and service
Why agencies choose Hedge
National reach. Responsive service. No Hedge wholesale fee.
These differences affect the next hard account.
Review by the team that owns the account.
Hedge reviews the file, identifies what is missing, and tells you whether there is a credible next step.
No Hedge wholesale fee.
No sub-brokering and no layered commission stacks. Premium, taxes, and filing charges remain account-specific.
One team owns it.
The same four people stay through intake, quote, bind, renewal, and service.
Recommendation
Where does Hedge fit your account?
Does the account need a professional-lines specialist or a multi-line wholesaler?
The Hedge service model
Start here
Consider Hedge when these needs match.
- The account spans casualty, property, auto, or other lines alongside professional liability.
- You want one named team to coordinate the full difficult-commercial program.
Next step: get appointed with Hedge.
Account fit
Consider CMI ProRisk when these needs match.
- The risk is professional or management liability and requires detailed forms and market expertise.
- Your agency wants a boutique whose senior team has spent decades in the specialty.
Ask the proposed team to confirm the specific route and service owner.
What happens after intake
With Hedge, ownership is obvious.
The same team reads the file, asks for what is missing, waits for your release authority, routes the account, and stays through service.
Where CMI ProRisk may fit
The risk is professional or management liability and requires detailed forms and market expertise.
CMI ProRisk
Submit→Confirm niche→Name specialist→Confirm service
Hedge
Team reviews file→Same four people→You approve release→Same team services
Hedge makes the owner and the release decision explicit. Ask CMI ProRisk to map the same path before you send.
Side by side
Seven operating questions for the agency.
Compare the proposed team, actual route, and terms for the same account. Hedge's column describes its published service commitments. Competitor sources are linked below; confirm desk-level service and total cost directly.
| Decision | CMI ProRisk | Hedge |
|---|---|---|
| Account fit | The risk is professional or management liability and requires detailed forms and market expertise. | The account spans casualty, property, auto, or other lines alongside professional liability. |
| National reach | Western base with offices across several states and near-national licensing | Yes. Hedge serves eligible difficult commercial risks across the U.S. through one national service model. |
| First useful response | Ask the exact CMI ProRisk team to commit to a response standard. | Prompt file review, clear quote updates, and market terms when available. |
| Who owns the account | Confirm the named desk, broker, handoffs, and post-bind service owner. Specialization only helps when it matches the account. Confirm the exact broker, market path, and support outside the core niche. | The same four-person team through intake, quote, bind, renewal, and service. |
| Brokerage-side cost | Confirm CMI ProRisk's wholesale fees, commissions, and any intermediary layers. | No Hedge wholesale fee, no sub-brokering, and no layered commission stacks. Premium, taxes, and filing charges remain account-specific. |
| Before a market receives the file | Confirm when CMI ProRisk treats intake as an authorized release and an actual market send. | The retail agent explicitly authorizes release. Receipt, review, release, and market send remain separate. |
| When CMI ProRisk may win | The risk is professional or management liability and requires detailed forms and market expertise. Your agency wants a boutique whose senior team has spent decades in the specialty. | Confirm Hedge can support the required class, state, coverage structure, and market route before deciding. |
An account to work through
Compare the management risks line by line.
Illustrative account example. This is a decision exercise, not a customer placement or a measured comparison of providers.
The situation
An employer wants D&O and employment-practices options, with an explanation of how the requested coverages fit together.
What would change the choice?
Choose by the required wording and the professional who can explain it. Bundling products or displaying several market options does not establish equivalent coverage.
Read the related coverage or placement guideWhat to compare on this file
- Describe ownership, financial condition, workforce and requested D&O, employment-practices or other management coverages.
- Compare the actual insured-person and entity coverage, exclusions, defense treatment, retentions and any prior-acts requirements.
- Confirm who coordinates management liability with separately requested professional or cyber coverage.
Example reviewed by Hedge Specialty on . Explore verified account outcomes.
Common questions
Compare Hedge and CMI ProRisk on speed, cost, ownership, and fit.
Review speed, fees, ownership, market release, and the cases where CMI ProRisk may fit better.
Why choose Hedge over CMI ProRisk?
Consider Hedge when the account spans casualty, property, auto, or other lines alongside professional liability. CMI ProRisk may fit better when the risk is professional or management liability and requires detailed forms and market expertise. Confirm the proposed team, market route, and quoted terms for the account. Hedge charges no wholesale fee and keeps a named four-person team on the account. These are service commitments, not a measured response-time advantage over CMI ProRisk.
How fast does Hedge respond?
Hedge reviews the file promptly, identifies missing information, and keeps you updated while pursuing market terms. Quotes depend on account eligibility, a complete file, and market response. There is no guaranteed turnaround or quote on every risk.
How is the Hedge service model different from CMI ProRisk?
Every Hedge account gets the same four-person team through intake, quote, bind, renewal, and service. CMI ProRisk's experience can vary by division, office, product lane, or named broker, so confirm the exact team that would own the account.
Is Hedge cheaper to work with?
Hedge charges no wholesale fee, does not sub-broker accounts, and does not add layered commission stacks. That does not establish the lowest total cost for a particular account. Carrier premium, surplus-lines taxes, filing charges, and any other account-specific quoted costs still depend on the placement.
Will Hedge send my submission to markets immediately?
No. Hedge routes the submission to the named account team first and does not share it with markets until the retail agent authorizes a release. Receipt, release, market send, quote, bind, and issue are separate states.
Can Hedge guarantee a quote or placement?
No wholesale broker can honestly guarantee a quote from a public comparison page. Hedge reviews the class, state, coverage, facts, submission quality, and current market route before confirming what it can do.
Do I need to replace my CMI ProRisk relationship to work with Hedge?
No. Hedge can earn a place on the difficult accounts where speed, direct ownership, and fewer handoffs matter. A productive existing CMI ProRisk relationship can remain useful for accounts that fit its strongest lane.
How do I start with Hedge?
Licensed retail insurance professionals can request an appointment or submit a risk for review. Hedge will confirm agency fit and account fit separately; an appointment request is not approval, and a submission receipt is not a quote.
Published and reviewed by Hedge Specialty on · CMI ProRisk facts: CMI ProRisk about · Research methodPublic information does not confirm fit, terms, access, or authority for a specific account.
Make Hedge your first call
Bring us the hard account.
Get a file review from the same team that will own the file through placement and service.