A difficult account rarely lives in one policy. See what each coverage solves, where the placement turns, and what the underwriter needs first.
Search by line, exposure, or plain-English problem. All 42 line labels in Hedge's current carrier-anonymous public appetite are accounted for here; the current account-specific route is confirmed after review.
The physical asset, the income behind it, and the places where a standard property form stops.
A property file is a story about what can burn, break, blow away, or stop the business.
Open the guideIf the property moves, travels, is installed, or sits in someone else's care, the building policy may not be enough.
Open the guideThe building changes every day. The submission has to explain what exists now and what will exist at completion.
Open the guideA package works when the pieces belong together. It fails when one exposure is hiding behind the bundle.
Open the guideA flood address is not a flood submission until the building, elevation, values, and desired structure are clear.
Open the guideWho can be hurt, what can be damaged, and how far liability can travel after the primary limit.
The class code gets the file opened. The operations narrative gets it quoted.
Open the guideMore limit is not the same as more coverage.
Open the guideThe product is the exposure. The supply chain tells us who owns the failure.
Open the guideAlcohol sales are only the first number. Hours, service model, security, and incident control tell the rest of the risk.
Open the guideAn event is a temporary business with a deadline, a crowd, and no room to discover missing coverage after the gates open.
Open the guideThe response plan and the policy trigger have to meet in the same real-world event.
Open the guideThe railroad's agreement, project limits, and exact named insured drive this placement.
Open the guideVehicles, aircraft, goods, custody, routes, and every handoff between origin and destination.
Vehicles are the schedule. Drivers and operations are the risk.
Open the guideFollow the goods from seller to buyer. Every handoff can change who bears the loss.
Open the guideThe aircraft may be small. The airspace, operator, payload, and contract exposure are not.
Open the guideThe promise, advice, service, system, or clinical act that someone else relies on.
Cyber pays for the event. Tech E&O answers for the service failure. Many technology companies need both stories told.
Open the guideThe insured's promise is the exposure. Define the service before trying to insure the mistake.
Open the guideProvider, procedure, patient, place, and supervision: those five facts usually reveal the real healthcare exposure.
Open the guideDiscipline, project type, contract, and subconsultant control matter more than the firm's headcount.
Open the guideDecisions made in the boardroom, finance function, and employee lifecycle.
Class codes price the work. The day-to-day duties prove the codes.
Open the guideThe cap table, boardroom, balance sheet, and employment history all show up in the policy wording.
Open the guideHeadcount is a number. Hiring, managing, disciplining, and terminating people is the exposure.
Open the guideWho can move the money, change the instructions, approve the vendor, or touch client property? Start there.
Open the guidePollution, cleanup, regulation, contract responsibility, and hard-to-fit operational risk.
Try an industry, exposure, or abbreviation. If the risk is unusual, send it to Hedge and we will classify the coverage problem with you.
Energy, life sciences, public entities, staffing, and similar accounts can cross several policies at once. These lanes reflect Hedge's published directional appetite, not blanket promises of market access.
Operators, service contractors, pipeline work, utilities, and energy-adjacent professionals need a coordinated read across casualty, pollution, auto, property, and contract requirements.
Published lineEnergy Liability / Oil & Gas
Open directional appetiteMedical products, laboratories, clinical work, and regulated manufacturers can combine products, professional, cyber, property, transit, and recall exposures on one file.
Published lineLife Science / Medical Products
Open directional appetiteMunicipal and public-service risks require the exact entity, statutory setting, operations, contracts, vehicle use, employment exposure, and loss history before a route can be confirmed.
Published linePublic Entity Liability
Open directional appetiteFarms, ranches, processors, distributors, and service operations can bring property, equipment, product, pollution, auto, workers compensation, and animal exposures together.
Published lineAgribusiness Liability
Open directional appetiteGuard, patrol, alarm, investigation, and event-security accounts turn on contract scope, weapons, venues, training, supervision, vehicle use, and incident history.
Published lineSecurity / Investigation
Open directional appetiteStaffing firms, PEOs, ASOs, and workforce platforms need the client-industry mix, co-employment structure, payroll, contracts, employee duties, and loss record reconciled.
Published lineStaffing / Workforce
Open directional appetiteOwners, landlords, property managers, and mixed portfolios need occupancy, lease, valuation, habitability, catastrophe, premises-liability, and management exposures read together.
Published lineLessor's Risk / Real Estate
Open directional appetiteHigh-value residences, collections, multiple locations, domestic staff, catastrophe exposure, and complex ownership require a specialist review rather than a standard-home assumption.
Published lineHigh Value Homeowners
Open directional appetiteMarketplace sellers may need product liability, stock, transit, cyber, recall, and shipment-gap solutions built around their actual supply chain and platform contracts.
Published linesFBA Lost Inbound / Shipment Profit Gap · Inventory / IP Insurance
Open directional appetiteThe coverage catalog is educational and machine-readable. It does not prove appointment, activation, a usable market route, quote terms, or bind authority for a particular account. Use the public pages to prepare; use Hedge's review process for the real risk.