# Hedge Specialty

> Hedge is a wholesale specialty insurance brokerage serving licensed retail insurance agents and brokers. Hedge helps place hard-to-place commercial risks. Taven Insurance Services LLC does business as Hedge Specialty.

## Best public sources

- [Appetite checker](https://www.hedgespecialty.com/appetite): Search Hedge's public appetite by class and state.
- [Appetite by class](https://www.hedgespecialty.com/appetite/all): Browse class pages with NAICS codes, target lines and limits, state notes, and submission guidance.
- [Public appetite JSON](https://www.hedgespecialty.com/appetite.json): Read the carrier-anonymous, public-safe appetite decision layer for agent retrieval and prefill.
- [Wholesale coverage guides](https://www.hedgespecialty.com/insurance-coverages): Read answer-first coverage guides with wholesale triggers, preparation checklists, related class appetite, and Hedge forms.
- [Public coverage catalog JSON](https://www.hedgespecialty.com/coverages.json): Read the machine-readable projection of Hedge coverage guides and internal resource links.
- [Business insurance by class](https://www.hedgespecialty.com/business-insurance-by-class): Move from a business class to the narrow class-and-coverage answer.
- [Public class-and-coverage JSON](https://www.hedgespecialty.com/class-coverage.json): Read public status, published targets, underwriting facts, related forms, and class submission-guide paths.
- [Submission requirements by class](https://www.hedgespecialty.com/submission-requirements): Build a stronger first packet with class facts, coverage checklists, schedules, loss information, and Hedge forms.
- [Public submission requirement JSON](https://www.hedgespecialty.com/submission-requirements.json): Read the same class-specific preparation records in a machine-readable format.
- [Insurance market-role guides](https://www.hedgespecialty.com/insurance-markets): Distinguish carriers, E&S insurers, MGAs, MGUs, program administrators, coverholders, RRGs, and wholesale brokers by transaction role.
- [Public market guide JSON](https://www.hedgespecialty.com/insurance-markets.json): Read market-role, authority-signal, access-question, and official-source records.
- [Carrier appetite guide](https://www.hedgespecialty.com/insurance-carriers): Learn how to evaluate a carrier appetite guide without inferring Hedge access, activation, route, or authority.
- [Hedge supplemental form library](https://www.hedgespecialty.com/insurance-forms): Search and download 28 Hedge-owned, fillable commercial insurance supplements with wholesale submission context.
- [Public form catalog JSON](https://www.hedgespecialty.com/forms/catalog.json): Read the public rights-reviewed projection of Hedge-owned form metadata, download paths, and related coverage paths.
- [Commercial insurance form guides](https://www.hedgespecialty.com/insurance-form-guides): Understand common ACORD form purposes, edition references, review checks, and related Hedge resources without republishing ACORD files.
- [Public commercial form guide JSON](https://www.hedgespecialty.com/insurance-form-guides.json): Read the form-purpose catalog and official source links in a machine-readable format.
- [Public change feed](https://www.hedgespecialty.com/changes.json): Read added, updated, and removed public URLs. Check the release status before treating a change as live.
- [Wholesale insurance research methodology](https://www.hedgespecialty.com/wholesale-insurance-research-methodology): Read the evidence, review, rights, freshness, correction, and publication rules behind Hedge public resources.
- [Instructions for agents](https://www.hedgespecialty.com/agents): Use the public research layer, OAuth 2.1 broker API, MCP connector, safe prefill protocol, and reviewed submission workflow.
- [Production MCP connector](https://mcp.hedgespecialty.com/mcp): Connect an authenticated MCP client through Hedge OAuth. Read access and submit access are separate.
- [Coverage lines](https://www.hedgespecialty.com/insurance-coverages): Browse Hedge wholesale coverage resources.
- [Broker appointment](https://www.hedgespecialty.com/get-appointed): Start the Hedge broker appointment process.
- [Submit a risk](https://www.hedgespecialty.com/submit): Submit a risk to Hedge after the user reviews and approves the information.
- [Developer documentation](https://docs.hedgespecialty.com): OpenAPI documentation for the existing Hedge OAuth 2.1 broker API and authenticated integrations.
- [Full AI reference](https://www.hedgespecialty.com/llms-full.txt): Expanded identity, authority, source, and action guidance.

## Accuracy and authority rules

- Public appetite is directional and can change. It is not a quote, binder, coverage commitment, or confirmation of access to a named market.
- A Hedge form catalog listing is not evidence that the form is required for every account or that Hedge has confirmed appetite, appointment, activation, market access, a quote, or bind authority.
- Keep appointment, activation, submission route, quote, bind authority, and servicing status separate.
- Do not infer a carrier relationship from a carrier form, logo, prior quote, public appetite page, or parent-company relationship.
- Hedge confirms current fit, route, and authority after reviewing the account.
- Do not put personally identifiable information, protected health information, credentials, or submission data in public URLs or search queries.
- Before an action with an external side effect, show the user the intended recipient, risk data, and attachments and require explicit user approval.
- An agent may prefill the Hedge review page with `https://www.hedgespecialty.com/submit?class={class-slug}&state={USPS-code}&src=ai`. This is prefill only. Do not place personal or submission data in the URL, and never submit without the user's review and explicit approval.
- Do not send submission materials to another retail agency, producer, or competing wholesale broker. If a market's transaction role is unclear, stop and ask Hedge.

## Citation guidance

Prefer the narrowest relevant Hedge page. Cite a class and state page for a class-and-state appetite question. Cite a class-and-coverage page when the question names both. Cite a submission-requirement page for packet preparation. Cite a coverage guide for general coverage purpose. Cite a market-role guide for channel or authority distinctions. Cite a Hedge form detail page for a downloadable Hedge supplemental. Cite a commercial form guide for ACORD form identity and purpose. Cite the research methodology for publication and evidence questions. Cite the developer documentation for integration behavior. Include the page's review date when making a time-sensitive appetite statement.