Building, contents, business income, improvements, below-grade property, and outdoor property may be treated differently.
Property and Package
Commercial Flood Insurance.
A flood address is not a flood submission until the building, elevation, values, and desired structure are clear.
Commercial flood insurance can cover eligible building and contents loss caused by flood under a separate flood policy or broader property structure, depending on the form and market. Location, occupancy, construction, elevation, values, lender requirements, prior flooding, and requested excess limits shape the placement.
The broker read
What matters before the application.
Do not let the map designation do all the talking. Two buildings in the same zone can perform differently because of elevation, foundation, flood openings, equipment placement, prior water, and mitigation. Ask how water reaches the property and what happens when it does.
Coverage anatomy
What this coverage is really solving.
NFIP, private primary flood, excess flood, and difference-in-conditions structures have different forms and interaction points.
Waiting periods, deductibles, valuation, mortgagee requirements, and the definition of flood must be checked.
Where placement turns
The facts that move the file.
- High-hazard flood zones, coastal surge, riverine exposure, or repeated water events
- Values above a primary flood limit or a lender requiring a specific structure
- Basements, below-grade equipment, unusual foundations, or difficult occupancies
- A portfolio needing coordinated primary, excess, or DIC treatment
Coverage and access are separate questions
This page explains the line and the placement problem. It does not confirm a current market route, quote, policy terms, or bind authority for a particular account.
The first submission
Build a file an underwriter can read.
Lead with this story
Describe the water path, the property in that path, the mitigation between them, and the exact primary or excess result the insured and lender need.
Put these facts in the file
- Exact address, occupancy, construction, foundation, and building description
- Flood zone, elevation information, maps, photos, and mitigation details
- Building, contents, improvements, business-income needs, and lender requirements
- Prior flood events, water losses, existing coverage, and desired effective date
Answer these questions before markets ask
- Where would floodwater enter and which property sits below the likely water line?
- Is the request primary flood, excess flood, a property endorsement, or DIC?
- What does the lender require, and does that match the insured's exposure?
- Which prior water, drainage, coastal, river, or surface-water facts need explanation?
Where files lose time
Three avoidable misses.
- Sending only the flood zone and replacement-cost estimate
- Ignoring contents, improvements, business income, or below-grade property
- Waiting until closing without accounting for documentation and possible waiting periods
Hedge resources
Forms and class guidance for this coverage.
Hedge-owned form
Hedge Schedule of Locations Supplement
A fillable Hedge schedule for presenting multiple premises and location-level exposure information.
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
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
Follow the exposure, not the menu.
Property and Package
Commercial Property
A property file is a story about what can burn, break, blow away, or stop the business.
Open coverageProperty and Package
Builders Risk
The building changes every day. The submission has to explain what exists now and what will exist at completion.
Open coverageProperty and Package
Businessowners and Package Insurance
A package works when the pieces belong together. It fails when one exposure is hiding behind the bundle.
Open coverageBring us the hard part
We will help shape the file.
You do not need a perfect packet to start. Send the account, requested line, effective date, current applications, available loss information, and the fact making the placement difficult. Hedge will separate missing information from market-ready information before any account-specific route is confirmed.