Hedge-owned form
Hedge Contractors Supplemental
A fillable Hedge supplemental for contractors and construction operations.
Read and downloadWholesale coverage guide
Commercial General Liability.
Direct answer. Commercial general liability commonly addresses third-party bodily injury, property damage, and personal and advertising injury, subject to the actual policy terms, exclusions, and endorsements. Retail agents often seek wholesale review when the class, operations, loss history, subcontracting, height, completed operations, or requested terms fall outside admitted appetite.
Wholesale fit
When specialty review may help.
- Residential or higher-hazard contracting operations
- Material subcontracted work or difficult completed-operations exposure
- Assault and battery, abuse, liquor, or other class-specific liability concerns
- Loss experience, new ventures, or requested terms 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
- Detailed operations narrative and class splits
- Revenue, payroll, subcontractor cost, and geographic breakdown
- Currently valued loss runs and an explanation of material claims
- Requested limits, contracts, additional-insured needs, and project details
Questions that change the placement
- What work is performed and for whom?
- How much work is subcontracted and how are subcontractors controlled?
- What height, depth, residential, or structural exposures exist?
- Which claims, contracts, or requested endorsements may change the placement?
Hedge resources
Forms and class guidance for this coverage.
Hedge-owned form
Hedge Roofing Contractors Supplemental
A fillable Hedge supplemental for commercial and residential roofing contractors.
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
General contractors
Read the public, directional class guidance and prepare for account-specific review.
Review class guidanceClass appetite
Roofing contractors
Read the public, directional class guidance and prepare for account-specific review.
Review class guidanceClass appetite
Security guards. Unarmed contract
Read the public, directional class guidance and prepare for account-specific review.
Review class guidanceClass appetite
Restaurants
Read the public, directional class guidance and prepare for account-specific review.
Review class guidanceRelated coverage
Build the whole program.
Coverage 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 guideCoverage guide
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 guideCoverage guide
Liquor Liability
Liquor liability commonly addresses specified claims arising from the sale, service, or furnishing of alcohol. State law, alcohol receipts, operating hours, entertainment, security, training...
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?
Detailed operations narrative and class splits Revenue, payroll, subcontractor cost, and geographic breakdown Currently valued loss runs and an explanation of material claims Requested limits, contracts, additional-insured needs, and project 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.