{ "version": 1, "reviewed_at": "2026-08-24", "audience": "Licensed retail insurance professionals and authorized software agents", "authority_boundary": "The checklists support preparation. 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"/appetite/allied-health/medical-malpractice", "preparation_facts": [ "Provider roster, licenses, specialties, procedures, and supervision model", "Patient counts, locations, services, revenues, and staffing arrangements", "Currently valued claims, incidents, regulatory actions, and corrective measures", "Prior acts, retroactive dates, requested limits, and entity structure" ] }, { "name": "Commercial General Liability", "published_target": "$1M / $2M", "path": "/appetite/allied-health/general-liability", "preparation_facts": [ "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" ] } ], "hedge_form_paths": [ "/insurance-forms/hedge-allied-health-and-medical-professional-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ] }, { "class_slug": "habitational", "class_name": "Apartment buildings & multi-family", "path": "/submission-requirements/habitational", "appetite_path": "/appetite/habitational", "public_status": "In current public appetite", "core_packet": [ "Correct applicant entities, operations, locations, requested coverage, limits, and effective date", "Currently valued loss runs for relevant entities, lines, and policy periods", "Exposure schedules and supporting records with internally consistent totals", "Primary application and the class or coverage sections that apply", "A direct explanation of difficult facts, losses, gaps, and requested terms" ], "class_specific_facts": [ "5-year loss runs, all property + GL", "Statement of values with construction class", "Roof age & last replacement date", "Wiring (knob-and-tube? aluminum?)", "Plumbing material & last update", "Section 8 / HUD percentage if any" ], "stronger_profile": [ "10-200 units, pitched roof, frame or JM", "Roof replaced in last 15 years", "Updated plumbing + electrical", "Owner-occupied management" ], "coverage_guides": [ { "name": "Commercial Property", "published_target": "$50M TIV / loc", "path": "/appetite/habitational/commercial-property", "preparation_facts": [ "Current statement of values with construction, occupancy, protection, and exposure details", "Valuation support, requested causes of loss, deductibles, and coinsurance terms", "Currently valued loss runs and remediation information", "Roof, electrical, plumbing, heating, occupancy, and catastrophe-control details" ] }, { "name": "Commercial General Liability", "published_target": "$1M / $2M", "path": "/appetite/habitational/general-liability", "preparation_facts": [ "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" ] }, { "name": "Employment Practices Liability", "published_target": "$1M agg", "path": "/appetite/habitational/employment-practices", "preparation_facts": [ "Employee counts by state and employment category", "Handbook, complaint, training, hiring, discipline, and termination procedures", "Prior claims, demand letters, agency matters, layoffs, and known circumstances", "Requested limits, retention, third-party coverage, and related management policies" ] } ], "hedge_form_paths": [ "/insurance-forms/hedge-habitational-and-apartment-supplemental", "/insurance-forms/hedge-schedule-of-locations-supplement", "/insurance-forms/hedge-loss-and-claims-supplement" ] }, { "class_slug": "architect-engineer", "class_name": "Architects & engineers", "path": "/submission-requirements/architect-engineer", "appetite_path": "/appetite/architect-engineer", "public_status": "Review case by case", "core_packet": [ "Correct applicant entities, operations, locations, requested coverage, limits, and effective date", "Currently valued loss runs for relevant 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"Exposure schedules and supporting records with internally consistent totals", "Primary application and the class or coverage sections that apply", "A direct explanation of difficult facts, losses, gaps, and requested terms" ], "class_specific_facts": [ "Paint booth permits + venting docs", "Air permit (where required by state)", "Solvent disposal vendor", "Lift count + customer cars max" ], "stronger_profile": [ "Permitted booth with active maintenance", "Insurance-direct repair shop", "No fleet / OEM exclusivity" ], "coverage_guides": [ { "name": "Commercial General Liability", "published_target": "$1M / $2M", "path": "/appetite/auto-body/general-liability", "preparation_facts": [ "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" ] }, { "name": "Commercial Property", "published_target": "$2M / loc", "path": "/appetite/auto-body/commercial-property", "preparation_facts": [ "Current statement of values with construction, occupancy, protection, and exposure details", "Valuation support, requested causes of loss, deductibles, and coinsurance terms", "Currently valued loss runs and remediation information", "Roof, electrical, plumbing, heating, occupancy, and catastrophe-control details" ] }, { "name": "Environmental and Pollution Liability", "published_target": "$500K", "path": "/appetite/auto-body/environmental", "preparation_facts": [ "Operations, sites, historical use, contaminants, and environmental reports", "Contracts, scopes of work, waste handling, transportation, and disposal practices", "Known conditions, incidents, remediation, regulatory matters, and claims", "Requested pollution, professional, transportation, cleanup, and completed-operations terms" ] } ], "hedge_form_paths": [ "/insurance-forms/hedge-garage-and-auto-service-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ] }, { "class_slug": "auto-repair", "class_name": "Auto repair shops", "path": "/submission-requirements/auto-repair", "appetite_path": "/appetite/auto-repair", "public_status": "In current public appetite", "core_packet": [ "Correct applicant entities, operations, locations, requested coverage, limits, and effective date", "Currently valued loss runs for relevant entities, lines, and policy periods", "Exposure schedules and supporting records with internally consistent totals", "Primary application and the class or coverage sections that apply", "A direct explanation of difficult facts, losses, gaps, and requested terms" ], "class_specific_facts": [ "Number of bays + lifts", "Customer cars on premises at any time", "Used oil disposal vendor", "Body work %", "Wash bay (pollution exposure)?" ], "stronger_profile": [ "Independent shops with 3+ bays", "No body work / paint booth", "Long-term lease, not roadside" ], "coverage_guides": [ { "name": "Commercial General Liability", "published_target": "$1M / $2M", "path": "/appetite/auto-repair/general-liability", "preparation_facts": [ "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" ] }, { "name": "Commercial Property", "published_target": "$2M / loc", "path": "/appetite/auto-repair/commercial-property", "preparation_facts": [ "Current statement of values with construction, occupancy, protection, and exposure details", "Valuation support, requested causes of loss, deductibles, and coinsurance terms", "Currently valued loss runs and remediation information", "Roof, electrical, plumbing, heating, occupancy, and catastrophe-control details" ] }, { "name": "Environmental and Pollution Liability", "published_target": "$500K (waste oil)", "path": "/appetite/auto-repair/environmental", "preparation_facts": [ "Operations, sites, historical use, contaminants, and environmental reports", "Contracts, scopes of work, waste handling, transportation, and disposal practices", "Known conditions, incidents, remediation, regulatory matters, and claims", "Requested pollution, professional, transportation, cleanup, and completed-operations terms" ] } ], "hedge_form_paths": [ "/insurance-forms/hedge-garage-and-auto-service-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ] }, { "class_slug": "bar-nightclub", "class_name": "Bars & nightclubs", "path": "/submission-requirements/bar-nightclub", "appetite_path": "/appetite/bar-nightclub", "public_status": "Review case by case", "core_packet": [ "Correct applicant entities, operations, locations, requested coverage, limits, and effective date", "Currently valued loss runs for relevant entities, lines, and policy periods", "Exposure schedules and supporting records with internally 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"/insurance-forms/hedge-liquor-liability-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ] }, { "class_slug": "brewery", "class_name": "Breweries & distilleries", "path": "/submission-requirements/brewery", "appetite_path": "/appetite/brewery", "public_status": "In current public appetite", "core_packet": [ "Correct applicant entities, operations, locations, requested coverage, limits, and effective date", "Currently valued loss runs for relevant entities, lines, and policy periods", "Exposure schedules and supporting records with internally consistent totals", "Primary application and the class or coverage sections that apply", "A direct explanation of difficult facts, losses, gaps, and requested terms" ], "class_specific_facts": [ "Production volume (BBLs / cases per year)", "Distribution model (self-distribute, wholesale)", "Taproom + food service?", "Events held on premises?" ], "stronger_profile": [ "Craft brewery, < 25,000 BBLs / year", "Taproom with light 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"path": "/appetite/brewery/liquor-liability", "preparation_facts": [ "Alcohol, food, and total receipts with operating hours and service model", "Licenses, server training, ID checks, security, transportation, and incident controls", "Entertainment, dancing, promotions, events, and occupancy information", "Currently valued losses, incidents, violations, and requested assault and battery terms" ] }, { "name": "Products Liability", "published_target": "$2M / $4M", "path": "/appetite/brewery/product-liability", "preparation_facts": [ "Product schedule, end uses, sales, territories, and distribution channels", "Design, manufacturing, supplier, testing, warning, and quality-control information", "Contracts, indemnification, additional-insured requirements, and recall plans", "Currently valued losses, incidents, complaints, and discontinued-product history" ] }, { "name": "Workers Compensation", "published_target": "Statutory", "path": "/appetite/brewery/workers-compensation", "preparation_facts": [ "Payroll by state, class code, and entity", "Experience modification worksheet and currently valued loss runs", "Operations, safety, hiring, return-to-work, and subcontractor controls", "Ownership, officer inclusion or exclusion, and prior coverage history" ] } ], "hedge_form_paths": [ "/insurance-forms/hedge-restaurant-bar-and-tavern-supplemental", "/insurance-forms/hedge-liquor-liability-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ] }, { "class_slug": "cannabis", "class_name": "Cannabis & hemp", "path": "/submission-requirements/cannabis", "appetite_path": "/appetite/cannabis", "public_status": "Review case by case", "core_packet": [ "Correct applicant entities, operations, locations, requested coverage, limits, and effective date", "Currently valued loss runs for relevant entities, lines, and policy periods", "Exposure schedules and supporting records with internally consistent totals", "Primary application and the class or coverage 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"path": "/appetite/cannabis/general-liability", "preparation_facts": [ "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" ] }, { "name": "Products Liability", "published_target": "$1M / $2M", "path": "/appetite/cannabis/product-liability", "preparation_facts": [ "Product schedule, end uses, sales, territories, and distribution channels", "Design, manufacturing, supplier, testing, warning, and quality-control information", "Contracts, indemnification, additional-insured requirements, and recall plans", "Currently valued losses, incidents, complaints, and discontinued-product history" ] } ], "hedge_form_paths": [ "/insurance-forms/hedge-cannabis-and-hemp-supplemental", "/insurance-forms/hedge-products-liability-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ] }, { "class_slug": "religious", "class_name": "Churches & religious institutions", "path": "/submission-requirements/religious", "appetite_path": "/appetite/religious", "public_status": "In current public appetite", "core_packet": [ "Correct applicant entities, operations, locations, requested coverage, limits, and effective date", "Currently valued loss runs for relevant entities, lines, and policy periods", "Exposure schedules and supporting records with internally consistent totals", "Primary application and the class or coverage sections that apply", "A direct explanation of difficult facts, losses, gaps, and requested terms" ], "class_specific_facts": [ "Attendance (Sunday services)", "Daycare / preschool on premises?", "Counseling services offered?", "Background checks for staff/volunteers" ], "stronger_profile": [ "Established congregations, 50-500 attendance", "Daycare / school operated as separate entity", "Background-checked youth workers" ], "coverage_guides": [ { "name": "Commercial Property", "published_target": "$10M / loc", "path": "/appetite/religious/commercial-property", "preparation_facts": [ "Current statement of values with construction, occupancy, protection, and exposure details", "Valuation support, requested causes of loss, deductibles, and coinsurance terms", "Currently valued loss runs and remediation information", "Roof, electrical, plumbing, heating, occupancy, and catastrophe-control details" ] }, { "name": "Commercial General Liability", "published_target": "$1M / $2M", "path": "/appetite/religious/general-liability", "preparation_facts": [ "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" ] }, { "name": "Miscellaneous Professional Liability", "published_target": "$500K", "path": "/appetite/religious/misc-eo", "preparation_facts": [ "Detailed service descriptions and revenue by service", "Representative contracts, scope, indemnity, and limitation-of-liability terms", "Staff qualifications, quality controls, and client profile", "Currently valued claims, circumstances, and requested retroactive coverage" ] } ], "hedge_form_paths": [ "/insurance-forms/hedge-sexual-abuse-and-molestation-sam-supplemental", "/insurance-forms/hedge-social-services-and-human-services-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ] }, { "class_slug": "community-association-crime", "class_name": "Community association crime", "path": "/submission-requirements/community-association-crime", "appetite_path": "/appetite/community-association-crime", "public_status": "In current public appetite", "core_packet": [ "Correct applicant entities, operations, locations, requested coverage, limits, and effective date", "Currently valued loss runs for relevant entities, lines, and policy periods", "Exposure 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"core_packet": [ "Correct applicant entities, operations, locations, requested coverage, limits, and effective date", "Currently valued loss runs for relevant entities, lines, and policy periods", "Exposure schedules and supporting records with internally consistent totals", "Primary application and the class or coverage sections that apply", "A direct explanation of difficult facts, losses, gaps, and requested terms" ], "class_specific_facts": [ "Number of units and ownership mix", "Employee count (must be under 10)", "5-year D&O claims history", "Board minutes for past 12 months", "Governing documents (CC&Rs, bylaws)", "Any open or pending claims" ], "stronger_profile": [ "Associations under 1,000 units", "Fewer than 10 employees", "No open D&O claims", "Residential, commercial, or mixed-use" ], "coverage_guides": [ { "name": "Management Liability", "published_target": "$1M to $5M", "path": "/appetite/community-association-do/management-liability", "preparation_facts": [ "Ownership, 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state and employment category", "Handbook, complaint, training, hiring, discipline, and termination procedures", "Prior claims, demand letters, agency matters, layoffs, and known circumstances", "Requested limits, retention, third-party coverage, and related management policies" ] } ], "hedge_form_paths": [ "/insurance-forms/hedge-management-liability-d-and-o-epl-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ] }, { "class_slug": "community-association-excess", "class_name": "Community association excess liability", "path": "/submission-requirements/community-association-excess", "appetite_path": "/appetite/community-association-excess", "public_status": "In current public appetite", "core_packet": [ "Correct applicant entities, operations, locations, requested coverage, limits, and effective date", "Currently valued loss runs for relevant entities, lines, and policy periods", "Exposure schedules and supporting records with internally consistent totals", "Primary 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], "hedge_form_paths": [ "/insurance-forms/hedge-management-liability-d-and-o-epl-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ] }, { "class_slug": "consultants-misc-eo", "class_name": "Consultants & advisors", "path": "/submission-requirements/consultants-misc-eo", "appetite_path": "/appetite/consultants-misc-eo", "public_status": "In current public appetite", "core_packet": [ "Correct applicant entities, operations, locations, requested coverage, limits, and effective date", "Currently valued loss runs for relevant entities, lines, and policy periods", "Exposure schedules and supporting records with internally consistent totals", "Primary application and the class or coverage sections that apply", "A direct explanation of difficult facts, losses, gaps, and requested terms" ], "class_specific_facts": [ "Service description (in plain words)", "Average engagement fee", "Top 3 client industries", "Contracts: limitation of liability clauses?" ], "stronger_profile": [ "Management/marketing/HR consulting", "Engagements with signed SOWs and LoL clauses", "5+ years in business" ], "coverage_guides": [ { "name": "Miscellaneous Professional Liability", "published_target": "$5M / $5M", "path": "/appetite/consultants-misc-eo/misc-eo", "preparation_facts": [ "Detailed service descriptions and revenue by service", "Representative contracts, scope, indemnity, and limitation-of-liability terms", "Staff qualifications, quality controls, and client profile", "Currently valued claims, circumstances, and requested retroactive coverage" ] }, { "name": "Commercial General Liability", "published_target": "$1M / $2M", "path": "/appetite/consultants-misc-eo/general-liability", "preparation_facts": [ "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" ] } ], "hedge_form_paths": [ "/insurance-forms/hedge-miscellaneous-professional-liability-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ] }, { "class_slug": "convenience-store", "class_name": "Convenience stores & gas stations", "path": "/submission-requirements/convenience-store", "appetite_path": "/appetite/convenience-store", "public_status": "Review case by case", "core_packet": [ "Correct applicant entities, operations, locations, requested coverage, limits, and effective date", "Currently valued loss runs for relevant entities, lines, and policy periods", "Exposure schedules and supporting records with internally consistent totals", "Primary application and the class or coverage sections that apply", "A direct explanation of difficult facts, losses, gaps, and requested terms" ], "class_specific_facts": [ "Tank age, material, monitoring", "Last leak detection test", "Lottery / check cashing as % revenue", "Hours of operation", "Robbery history (5-year)" ], "stronger_profile": [ "Double-wall tanks, < 20 years old", "Monitored alarm + cameras", "Daytime/evening hours only" ], "coverage_guides": [ { "name": "Commercial Property", "published_target": "$2M / loc", "path": "/appetite/convenience-store/commercial-property", "preparation_facts": [ "Current statement of values with construction, occupancy, protection, and exposure details", "Valuation support, requested causes of loss, deductibles, and coinsurance terms", "Currently valued loss runs and remediation information", "Roof, electrical, plumbing, heating, occupancy, and catastrophe-control details" ] }, { "name": "Commercial General Liability", "published_target": "$1M / $2M", "path": "/appetite/convenience-store/general-liability", "preparation_facts": [ "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 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"public_status": "Review case by case", "core_packet": [ "Correct applicant entities, operations, locations, requested coverage, limits, and effective date", "Currently valued loss runs for relevant entities, lines, and policy periods", "Exposure schedules and supporting records with internally consistent totals", "Primary application and the class or coverage sections that apply", "A direct explanation of difficult facts, losses, gaps, and requested terms" ], "class_specific_facts": [ "Fleet size + vehicle types", "Contracts with Amazon/FedEx etc.", "Driver MVRs + 1099 vs. W-2", "Service area + hours" ], "stronger_profile": [ "W-2 drivers with local routes", "Contracted base, < 25 vans", "Daytime operations" ], "coverage_guides": [ { "name": "Commercial Auto and Trucking", "published_target": "$1M CSL", "path": "/appetite/delivery-courier/commercial-auto", "preparation_facts": [ "Vehicle, driver, and loss schedules", "Operations, radius, commodities, filings, and annual mileage", "Revenue, vehicle ownership, leasing, maintenance, and safety controls", "Requested liability, physical damage, cargo, and ancillary coverages" ] }, { "name": "Inland Marine", "published_target": "$25K", "path": "/appetite/delivery-courier/inland-marine", "preparation_facts": [ "Detailed equipment or property schedule with values and identifiers", "Transit, storage, territory, jobsite, and catastrophe information", "Security, tracking, maintenance, and theft controls", "Requested valuation, deductibles, limits, and coverage extensions" ] }, { "name": "Commercial General Liability", "published_target": "$1M / $2M", "path": "/appetite/delivery-courier/general-liability", "preparation_facts": [ "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" ] } ], "hedge_form_paths": [ "/insurance-forms/hedge-commercial-auto-and-trucking-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ] }, { "class_slug": "ecommerce-marketplace-sellers", "class_name": "Ecommerce sellers", "path": "/submission-requirements/ecommerce-marketplace-sellers", "appetite_path": "/appetite/ecommerce-marketplace-sellers", "public_status": "In current public appetite", "core_packet": [ "Correct applicant entities, operations, locations, requested coverage, limits, and effective date", "Currently valued loss runs for relevant entities, lines, and policy periods", "Exposure schedules and supporting records with internally consistent totals", "Primary application and the class or coverage sections that apply", "A direct explanation of difficult facts, losses, gaps, and requested terms" ], "class_specific_facts": [ "Sales channels", "Store connection or real sales data", "Product list with SKUs, materials, intended use and country of origin", "Annual and trailing-30-day sales by channel", "Import, manufacturing, private-label and distributor role", "Loss history, recalls, complaints and product safety documentation" ], "stronger_profile": [ "Physical-product sellers with live marketplace or storefront sales", "Marketplace seller with clean product descriptions and real sales history", "Private-label, imported, wholesale or DTC consumer goods", "Products liability and ecommerce CGL needed for marketplace compliance" ], "coverage_guides": [ { "name": "Commercial General Liability", "published_target": "Available", "path": "/appetite/ecommerce-marketplace-sellers/general-liability", "preparation_facts": [ "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" ] }, { "name": "Products Liability", "published_target": "Marketplace-ready", "path": 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"published_target": "$1M CSL", "path": "/appetite/electrician/commercial-auto", "preparation_facts": [ "Vehicle, driver, and loss schedules", "Operations, radius, commodities, filings, and annual mileage", "Revenue, vehicle ownership, leasing, maintenance, and safety controls", "Requested liability, physical damage, cargo, and ancillary coverages" ] }, { "name": "Inland Marine", "published_target": "$25K", "path": "/appetite/electrician/inland-marine", "preparation_facts": [ "Detailed equipment or property schedule with values and identifiers", "Transit, storage, territory, jobsite, and catastrophe information", "Security, tracking, maintenance, and theft controls", "Requested valuation, deductibles, limits, and coverage extensions" ] } ], "hedge_form_paths": [ "/insurance-forms/hedge-contractors-supplemental", "/insurance-forms/hedge-workers-compensation-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ] }, { "class_slug": "epli-only", "class_name": "Employment Practices Liability", "path": "/submission-requirements/epli-only", "appetite_path": "/appetite/epli-only", "public_status": "In current public appetite", "core_packet": [ "Correct applicant entities, operations, locations, requested coverage, limits, and effective date", "Currently valued loss runs for relevant entities, lines, and policy periods", "Exposure schedules and supporting records with internally consistent totals", "Primary application and the class or coverage sections that apply", "A direct explanation of difficult facts, losses, gaps, and requested terms" ], "class_specific_facts": [ "Employee count + state breakdown", "HR function: in-house or outsourced?", "5-year claims history", "Recent layoffs / RIFs" ], "stronger_profile": [ "50-500 employees, in-house HR", "Standard handbook + training", "Clean claims history" ], "coverage_guides": [ { "name": "Employment Practices Liability", "published_target": "$3M / $3M", "path": "/appetite/epli-only/employment-practices", "preparation_facts": [ "Employee counts by state and employment category", "Handbook, complaint, training, hiring, discipline, and termination procedures", "Prior claims, demand letters, agency matters, layoffs, and known circumstances", "Requested limits, retention, third-party coverage, and related management policies" ] } ], "hedge_form_paths": [ "/insurance-forms/hedge-management-liability-d-and-o-epl-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ] }, { "class_slug": "environmental-contractor", "class_name": "Environmental contractors", "path": "/submission-requirements/environmental-contractor", "appetite_path": "/appetite/environmental-contractor", "public_status": "Review case by case", "core_packet": [ "Correct applicant entities, operations, locations, requested coverage, limits, and effective date", "Currently valued loss runs for relevant entities, lines, and policy periods", "Exposure schedules and supporting records with internally consistent totals", 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"class_slug": "cleaning-special-event", "class_name": "Event production & rentals", "path": "/submission-requirements/cleaning-special-event", "appetite_path": "/appetite/cleaning-special-event", "public_status": "In current public appetite", "core_packet": [ "Correct applicant entities, operations, locations, requested coverage, limits, and effective date", "Currently valued loss runs for relevant entities, lines, and policy periods", "Exposure schedules and supporting records with internally consistent totals", "Primary application and the class or coverage sections that apply", "A direct explanation of difficult facts, losses, gaps, and requested terms" ], "class_specific_facts": [ "Service description (planning, rentals, DJ, etc.)", "Largest event capacity", "Equipment owned + value", "Alcohol service involved?" ], "stronger_profile": [ "Weddings, corporate events, < 1,000 guests", "Tent + table rentals", "DJ + lighting services" ], "coverage_guides": [ { "name": "Commercial 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"published_target": "$3M TIV / loc", "path": "/appetite/flip-rehab/commercial-property", "preparation_facts": [ "Current statement of values with construction, occupancy, protection, and exposure details", "Valuation support, requested causes of loss, deductibles, and coinsurance terms", "Currently valued loss runs and remediation information", "Roof, electrical, plumbing, heating, occupancy, and catastrophe-control details" ] }, { "name": "Commercial General Liability", "published_target": "$1M / $2M", "path": "/appetite/flip-rehab/general-liability", "preparation_facts": [ "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" ] } ], "hedge_form_paths": [ "/insurance-forms/hedge-builders-risk-supplemental", "/insurance-forms/hedge-contractors-supplemental", 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"/insurance-forms/hedge-management-liability-d-and-o-epl-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ] }, { "class_slug": "pest-control", "class_name": "Pest control", "path": "/submission-requirements/pest-control", "appetite_path": "/appetite/pest-control", "public_status": "In current public appetite", "core_packet": [ "Correct applicant entities, operations, locations, requested coverage, limits, and effective date", "Currently valued loss runs for relevant entities, lines, and policy periods", "Exposure schedules and supporting records with internally consistent totals", "Primary application and the class or coverage sections that apply", "A direct explanation of difficult facts, losses, gaps, and requested terms" ], "class_specific_facts": [ "State applicator license", "Fumigation services? 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matters, and claims", "Requested pollution, professional, transportation, cleanup, and completed-operations terms" ] }, { "name": "Commercial Auto and Trucking", "published_target": "$1M CSL", "path": "/appetite/pest-control/commercial-auto", "preparation_facts": [ "Vehicle, driver, and loss schedules", "Operations, radius, commodities, filings, and annual mileage", "Revenue, vehicle ownership, leasing, maintenance, and safety controls", "Requested liability, physical damage, cargo, and ancillary coverages" ] } ], "hedge_form_paths": [ "/insurance-forms/hedge-contractors-supplemental", "/insurance-forms/hedge-workers-compensation-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ] }, { "class_slug": "plumber", "class_name": "Plumbers", "path": "/submission-requirements/plumber", "appetite_path": "/appetite/plumber", "public_status": "In current public appetite", "core_packet": [ "Correct applicant entities, operations, locations, requested coverage, limits, and effective date", "Currently valued loss runs for relevant entities, lines, and policy periods", "Exposure schedules and supporting records with internally consistent totals", "Primary application and the class or coverage sections that apply", "A direct explanation of difficult facts, losses, gaps, and requested terms" ], "class_specific_facts": [ "License copy", "% new construction vs. service", "Trenching depth max", "Number of trucks + drivers" ], "stronger_profile": [ "Licensed master plumber on staff", "Service-call business 70%+", "No deep trenching (< 8 ft)" ], "coverage_guides": [ { "name": "Commercial General Liability", "published_target": "$1M / $2M", "path": "/appetite/plumber/general-liability", "preparation_facts": [ "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 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"class_slug": "private-company-do", "class_name": "Private company D&O", "path": "/submission-requirements/private-company-do", "appetite_path": "/appetite/private-company-do", "public_status": "In current public appetite", "core_packet": [ "Correct applicant entities, operations, locations, requested coverage, limits, and effective date", "Currently valued loss runs for relevant entities, lines, and policy periods", "Exposure schedules and supporting records with internally consistent totals", "Primary application and the class or coverage sections that apply", "A direct explanation of difficult facts, losses, gaps, and requested terms" ], "class_specific_facts": [ "Revenue + 3-year trend", "Employee count", "Funding stage (bootstrapped, seed, series, PE-backed)", "M&A in last 24 months", "Pending litigation" ], "stronger_profile": [ "Established private companies, 50-500 employees", "Profitable or well-funded", "Clean litigation history" ], "coverage_guides": [ { "name": "Management Liability", "published_target": "$5M / $5M", "path": "/appetite/private-company-do/management-liability", "preparation_facts": [ "Ownership, board, entity, subsidiary, and capitalization information", "Current financial statements and material transaction details", "Employee counts, human-resources controls, and claims history", "Existing program, requested coverages, limits, retention, and prior acts" ] }, { "name": "Employment Practices Liability", "published_target": "$3M", "path": "/appetite/private-company-do/employment-practices", "preparation_facts": [ "Employee counts by state and employment category", "Handbook, complaint, training, hiring, discipline, and termination procedures", "Prior claims, demand letters, agency matters, layoffs, and known circumstances", "Requested limits, retention, third-party coverage, and related management policies" ] } ], "hedge_form_paths": [ "/insurance-forms/hedge-management-liability-d-and-o-epl-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ] }, { "class_slug": "school-private", "class_name": "Private K-12 schools", "path": "/submission-requirements/school-private", "appetite_path": "/appetite/school-private", "public_status": "In current public appetite", "core_packet": [ "Correct applicant entities, operations, locations, requested coverage, limits, and effective date", "Currently valued loss runs for relevant entities, lines, and policy periods", "Exposure schedules and supporting records with internally consistent totals", "Primary application and the class or coverage sections that apply", "A direct explanation of difficult facts, losses, gaps, and requested terms" ], "class_specific_facts": [ "Enrollment + grade levels", "Background check process", "Athletic programs (contact sports)", "Transportation (buses)?" ], "stronger_profile": [ "Day schools, < 1,000 students", "Standard curriculum + extracurricular", "Background-checked staff" ], "coverage_guides": [ { "name": "Commercial General Liability", "published_target": "$1M / $2M", "path": "/appetite/school-private/general-liability", "preparation_facts": [ "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" ] }, { "name": "Miscellaneous Professional Liability", "published_target": "$2M", "path": "/appetite/school-private/misc-eo", "preparation_facts": [ "Detailed service descriptions and revenue by service", "Representative contracts, scope, indemnity, and limitation-of-liability terms", "Staff qualifications, quality controls, and client profile", "Currently valued claims, circumstances, and requested retroactive coverage" ] }, { "name": "Commercial Property", "published_target": "$10M / loc", "path": "/appetite/school-private/commercial-property", "preparation_facts": [ "Current statement of values with construction, occupancy, protection, and exposure details", "Valuation support, requested causes of loss, deductibles, and coinsurance terms", "Currently valued loss runs and remediation information", "Roof, electrical, plumbing, heating, occupancy, and catastrophe-control details" ] }, { "name": "Employment Practices Liability", "published_target": "$2M", "path": "/appetite/school-private/employment-practices", "preparation_facts": [ "Employee counts by state and employment category", "Handbook, complaint, training, hiring, discipline, and termination procedures", "Prior claims, demand letters, agency matters, layoffs, and known circumstances", "Requested limits, retention, third-party coverage, and related management policies" ] } ], "hedge_form_paths": [ "/insurance-forms/hedge-sexual-abuse-and-molestation-sam-supplemental", "/insurance-forms/hedge-social-services-and-human-services-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ] }, { "class_slug": "real-estate-agent", "class_name": "Real estate agents & brokers", "path": "/submission-requirements/real-estate-agent", "appetite_path": "/appetite/real-estate-agent", "public_status": "In current public appetite", "core_packet": [ "Correct applicant entities, operations, locations, requested coverage, limits, and effective date", "Currently valued loss runs for relevant entities, lines, and policy periods", "Exposure schedules and supporting records with internally consistent totals", "Primary application and the class or coverage sections that apply", "A direct explanation of difficult facts, losses, gaps, and requested terms" ], "class_specific_facts": [ "License + state(s)", "% residential / commercial / property mgmt", "Agent count + 1099 vs. W-2", "Average sale price" ], "stronger_profile": [ "Residential brokerages, 1-50 agents", "Standard listing + buyer rep", "No appraisal / inspection services" ], "coverage_guides": [ { "name": "Miscellaneous Professional 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"restaurant", "class_name": "Restaurants", "path": "/submission-requirements/restaurant", "appetite_path": "/appetite/restaurant", "public_status": "In current public appetite", "core_packet": [ "Correct applicant entities, operations, locations, requested coverage, limits, and effective date", "Currently valued loss runs for relevant entities, lines, and policy periods", "Exposure schedules and supporting records with internally consistent totals", "Primary application and the class or coverage sections that apply", "A direct explanation of difficult facts, losses, gaps, and requested terms" ], "class_specific_facts": [ "5-year loss runs", "% sales: food / liquor / takeout", "Hood cleaning frequency", "Years in operation under current owner", "Live music / late-night / dance floor?" ], "stronger_profile": [ "Sit-down dining, < 30% liquor", "Owner on premises, 2+ years", "Quarterly hood cleaning + ANSUL" ], "coverage_guides": [ { "name": "Commercial Property", "published_target": "$5M / loc", "path": "/appetite/restaurant/commercial-property", "preparation_facts": [ "Current statement of values with construction, occupancy, protection, and exposure details", "Valuation support, requested causes of loss, deductibles, and coinsurance terms", "Currently valued loss runs and remediation information", "Roof, electrical, plumbing, heating, occupancy, and catastrophe-control details" ] }, { "name": "Commercial General Liability", "published_target": "$1M / $2M", "path": "/appetite/restaurant/general-liability", "preparation_facts": [ "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" ] }, { "name": "Liquor Liability", "published_target": "$1M / $2M (if needed)", "path": "/appetite/restaurant/liquor-liability", "preparation_facts": [ "Alcohol, food, and total receipts with operating hours and service model", "Licenses, server training, ID checks, security, transportation, and incident controls", "Entertainment, dancing, promotions, events, and occupancy information", "Currently valued losses, incidents, violations, and requested assault and battery terms" ] }, { "name": "Workers Compensation", "published_target": "Statutory", "path": "/appetite/restaurant/workers-compensation", "preparation_facts": [ "Payroll by state, class code, and entity", "Experience modification worksheet and currently valued loss runs", "Operations, safety, hiring, return-to-work, and subcontractor controls", "Ownership, officer inclusion or exclusion, and prior coverage history" ] } ], "hedge_form_paths": [ "/insurance-forms/hedge-restaurant-bar-and-tavern-supplemental", "/insurance-forms/hedge-liquor-liability-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ] }, { "class_slug": "roofer", "class_name": "Roofing contractors", "path": "/submission-requirements/roofer", "appetite_path": "/appetite/roofer", "public_status": "Review case by case", "core_packet": [ "Correct applicant entities, operations, locations, requested coverage, limits, and effective date", "Currently valued loss runs for relevant entities, lines, and policy periods", "Exposure schedules and supporting records with internally consistent totals", "Primary application and the class or coverage sections that apply", "A direct explanation of difficult facts, losses, gaps, and requested terms" ], "class_specific_facts": [ "% residential vs. commercial", "% torch-down / hot tar work", "Subcontractor verification (COIs)", "Max height worked", "Fall protection plan" ], "stronger_profile": [ "Residential asphalt shingle, ≤ 3 stories", "All subs with own GL + WC", "OSHA-compliant fall protection" ], "coverage_guides": [ { "name": "Commercial General Liability", "published_target": "$1M / $2M", "path": "/appetite/roofer/general-liability", "preparation_facts": [ "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" ] }, { "name": "Commercial Auto and Trucking", "published_target": "$1M CSL", "path": "/appetite/roofer/commercial-auto", "preparation_facts": [ "Vehicle, driver, and loss schedules", "Operations, radius, commodities, filings, and annual mileage", "Revenue, vehicle ownership, leasing, maintenance, and safety controls", "Requested liability, physical damage, cargo, and ancillary coverages" ] }, { "name": "Inland Marine", "published_target": "$50K", "path": "/appetite/roofer/inland-marine", "preparation_facts": [ "Detailed equipment or property schedule with values and identifiers", "Transit, storage, territory, jobsite, and catastrophe information", "Security, tracking, maintenance, and theft controls", "Requested valuation, deductibles, limits, and coverage extensions" ] } ], "hedge_form_paths": [ "/insurance-forms/hedge-roofing-contractors-supplemental", "/insurance-forms/hedge-contractors-supplemental", "/insurance-forms/hedge-workers-compensation-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ] }, { "class_slug": "salon-spa", "class_name": "Salons, spas, barbers", "path": "/submission-requirements/salon-spa", "appetite_path": "/appetite/salon-spa", "public_status": "In current public appetite", "core_packet": [ "Correct applicant entities, operations, locations, requested coverage, limits, and effective date", "Currently valued loss runs for relevant entities, lines, and policy periods", "Exposure schedules and supporting records with internally consistent totals", "Primary application and the class or coverage sections that apply", "A direct explanation of difficult facts, losses, gaps, and requested terms" ], "class_specific_facts": [ "Services performed", 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"Written use-of-force policy, no prior A&B losses" ], "coverage_guides": [ { "name": "Commercial General Liability", "published_target": "$1M / $2M", "path": "/appetite/security-guard-unarmed/general-liability", "preparation_facts": [ "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" ] }, { "name": "Miscellaneous Professional Liability", "published_target": "$1M / $1M", "path": "/appetite/security-guard-unarmed/misc-eo", "preparation_facts": [ "Detailed service descriptions and revenue by service", "Representative contracts, scope, indemnity, and limitation-of-liability terms", "Staff qualifications, quality controls, and client profile", "Currently valued claims, circumstances, and requested retroactive coverage" ] }, { "name": "Commercial Auto and Trucking", "published_target": "$1M CSL", "path": "/appetite/security-guard-unarmed/commercial-auto", "preparation_facts": [ "Vehicle, driver, and loss schedules", "Operations, radius, commodities, filings, and annual mileage", "Revenue, vehicle ownership, leasing, maintenance, and safety controls", "Requested liability, physical damage, cargo, and ancillary coverages" ] } ], "hedge_form_paths": [ "/insurance-forms/hedge-security-guard-and-alarm-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ] }, { "class_slug": "self-storage", "class_name": "Self-storage facilities", "path": "/submission-requirements/self-storage", "appetite_path": "/appetite/self-storage", "public_status": "In current public appetite", "core_packet": [ "Correct applicant entities, operations, locations, requested coverage, limits, and effective date", "Currently valued loss runs for relevant entities, lines, and policy periods", "Exposure schedules and supporting records with internally consistent totals", "Primary application and the class or coverage sections that apply", "A direct explanation of difficult facts, losses, gaps, and requested terms" ], "class_specific_facts": [ "Total square footage + unit count", "% climate controlled", "Lease type (month-to-month)", "Auto-pay enrollment rate" ], "stronger_profile": [ "5,000-80,000 sq ft, mixed climate", "Tenant insurance enrollment > 50%", "Drive-up + interior units" ], "coverage_guides": [ { "name": "Commercial Property", "published_target": "$25M TIV / loc", "path": "/appetite/self-storage/commercial-property", "preparation_facts": [ "Current statement of values with construction, occupancy, protection, and exposure details", "Valuation support, requested causes of loss, deductibles, and coinsurance terms", "Currently valued loss runs and remediation information", "Roof, electrical, plumbing, heating, occupancy, and catastrophe-control details" ] }, { "name": "Commercial General Liability", "published_target": "$1M / $2M", "path": "/appetite/self-storage/general-liability", "preparation_facts": [ "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" ] }, { "name": "Inland Marine", "published_target": "$5K / unit", "path": "/appetite/self-storage/inland-marine", "preparation_facts": [ "Detailed equipment or property schedule with values and identifiers", "Transit, storage, territory, jobsite, and catastrophe information", "Security, tracking, maintenance, and theft controls", "Requested valuation, deductibles, limits, and coverage extensions" ] } ], "hedge_form_paths": [ "/insurance-forms/hedge-loss-and-claims-supplement" ] }, { "class_slug": "sfr-landlord", "class_name": "Single-family & 1-4 unit landlord", "path": "/submission-requirements/sfr-landlord", "appetite_path": "/appetite/sfr-landlord", "public_status": "In current public appetite", "core_packet": [ "Correct applicant entities, operations, locations, requested coverage, limits, and effective date", "Currently valued loss runs for relevant entities, lines, and policy periods", "Exposure schedules and supporting records with internally consistent totals", "Primary application and the class or coverage sections that apply", "A direct explanation of difficult facts, losses, gaps, and requested terms" ], "class_specific_facts": [ "5-year loss runs (property + GL)", "Roof age and last replacement date", "Plumbing material and last update", "Electrical update history (no knob-and-tube / aluminum)", "Occupancy status (tenant-occupied 12+ months)", "ITV worksheet", "Deductible preference ($2,500 / $5,000 / $10,000)" ], "stronger_profile": [ "1-4 unit SFR, duplex, triplex, fourplex", "Frame through fire-resistive construction", "Protection Class 1-7", "Tenant-occupied 12+ months", "Maintained roof under 20 years old" ], "coverage_guides": [ { "name": "Commercial Property", "published_target": "$1.5M TIV / loc", "path": "/appetite/sfr-landlord/commercial-property", "preparation_facts": [ "Current statement of values with construction, occupancy, protection, and exposure details", "Valuation support, requested causes of loss, deductibles, and coinsurance terms", "Currently valued loss runs and remediation information", "Roof, electrical, plumbing, heating, occupancy, and catastrophe-control details" ] }, { "name": "Commercial General Liability", "published_target": "$1M / $2M", "path": "/appetite/sfr-landlord/general-liability", "preparation_facts": [ "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" ] } ], "hedge_form_paths": [ "/insurance-forms/hedge-lessors-risk-only-lro-supplemental", "/insurance-forms/hedge-schedule-of-locations-supplement", "/insurance-forms/hedge-loss-and-claims-supplement" ] }, { "class_slug": "small-clinic", "class_name": "Small medical clinics", "path": "/submission-requirements/small-clinic", "appetite_path": "/appetite/small-clinic", "public_status": "Review case by case", "core_packet": [ "Correct applicant entities, operations, locations, requested coverage, limits, and effective date", "Currently valued loss runs for relevant entities, lines, and policy periods", "Exposure schedules and supporting records with internally consistent totals", "Primary application and the class or coverage sections that apply", "A direct explanation of difficult facts, losses, gaps, and requested terms" ], "class_specific_facts": [ "Specialty + procedures performed", "Provider count (MD, NP, PA, RN)", "Patient volume", "5-year claims history" ], "stronger_profile": [ "Primary care, family medicine", "Procedure-light practices", "1-10 providers" ], "coverage_guides": [ { "name": "Medical Professional Liability", "published_target": "$1M / $3M", "path": "/appetite/small-clinic/medical-malpractice", "preparation_facts": [ "Provider roster, licenses, specialties, procedures, and supervision model", "Patient counts, locations, services, revenues, and staffing arrangements", "Currently valued claims, incidents, regulatory actions, and corrective measures", "Prior acts, retroactive dates, requested limits, and entity structure" ] }, { "name": "Commercial General Liability", "published_target": "$1M / $2M", "path": "/appetite/small-clinic/general-liability", "preparation_facts": [ "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" ] }, { "name": "Cyber Liability and Technology E&O", "published_target": "$2M / $2M", "path": "/appetite/small-clinic/cyber-tech-eo", "preparation_facts": [ "Services, products, revenue, customer, contract, and data profile", "Security controls including multifactor authentication, backups, patching, and response planning", "Prior incidents, claims, contractual limits, and indemnification terms", "Requested cyber, technology E&O, media, crime, and dependent-business coverages" ] }, { "name": "Employment Practices Liability", "published_target": "$1M", "path": "/appetite/small-clinic/employment-practices", "preparation_facts": [ "Employee counts by state and employment category", "Handbook, complaint, training, hiring, discipline, and termination procedures", "Prior claims, demand letters, agency matters, layoffs, and known circumstances", "Requested limits, retention, third-party coverage, and related management policies" ] } ], "hedge_form_paths": [ "/insurance-forms/hedge-allied-health-and-medical-professional-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ] }, { "class_slug": "tech-saas", "class_name": "Tech & SaaS companies", "path": "/submission-requirements/tech-saas", "appetite_path": "/appetite/tech-saas", "public_status": "In current public appetite", "core_packet": [ "Correct applicant entities, operations, locations, requested coverage, limits, and effective date", "Currently valued loss runs for relevant entities, lines, and policy periods", "Exposure schedules and supporting records with internally consistent totals", "Primary application and the class or coverage sections that apply", "A direct explanation of difficult facts, losses, gaps, and requested terms" ], "class_specific_facts": [ "Revenue (last 12 months)", "Customer count + largest 5 contracts", "Data processed (PII, PHI, PCI)", "SOC 2 / ISO 27001 status", "Subprocessors + cloud providers" ], "stronger_profile": [ "B2B SaaS, $1M-$50M revenue", "SOC 2 Type II in place", "MFA + endpoint detection" ], "coverage_guides": [ { "name": "Cyber Liability and Technology E&O", "published_target": "$5M / $5M combined", "path": "/appetite/tech-saas/cyber-tech-eo", "preparation_facts": [ "Services, products, revenue, customer, contract, and data profile", "Security controls including multifactor authentication, backups, patching, and response planning", "Prior incidents, claims, contractual limits, and indemnification terms", "Requested cyber, technology E&O, media, crime, and dependent-business coverages" ] }, { "name": "Commercial General Liability", "published_target": "$1M / $2M", "path": "/appetite/tech-saas/general-liability", "preparation_facts": [ "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" ] }, { "name": "Management Liability", "published_target": "$5M", "path": "/appetite/tech-saas/management-liability", "preparation_facts": [ "Ownership, board, entity, subsidiary, and capitalization information", "Current financial statements and material transaction details", "Employee counts, human-resources controls, and claims history", "Existing program, requested coverages, limits, retention, and prior acts" ] }, { "name": "Employment Practices Liability", "published_target": "$3M", "path": "/appetite/tech-saas/employment-practices", "preparation_facts": [ "Employee counts by state and employment category", "Handbook, complaint, training, hiring, discipline, and termination procedures", "Prior claims, demand letters, agency matters, layoffs, and known circumstances", "Requested limits, retention, third-party coverage, and related management policies" ] } ], "hedge_form_paths": [ "/insurance-forms/hedge-cyber-and-technology-e-and-o-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ] }, { "class_slug": "tree-trimming", "class_name": "Tree trimming & removal", "path": "/submission-requirements/tree-trimming", "appetite_path": "/appetite/tree-trimming", "public_status": "Review case by case", "core_packet": [ "Correct applicant entities, operations, locations, requested coverage, limits, and effective date", "Currently valued loss runs for relevant entities, lines, and policy periods", "Exposure schedules and supporting records with internally consistent totals", "Primary application and the class or coverage sections that apply", "A direct explanation of difficult facts, losses, gaps, and requested terms" ], "class_specific_facts": [ "Max tree height (current job site)", "Bucket truck or climber?", "ISA-certified arborist on staff?", "Power line proximity work", "% residential vs. municipal" ], "stronger_profile": [ "ISA-certified, no power line work", "Trim 70% / removal 30% mix", "5+ years in business" ], "coverage_guides": [ { "name": "Commercial General Liability", "published_target": "$1M / $2M", "path": "/appetite/tree-trimming/general-liability", "preparation_facts": [ "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" ] }, { "name": "Commercial Auto and Trucking", "published_target": "$1M CSL", "path": "/appetite/tree-trimming/commercial-auto", "preparation_facts": [ "Vehicle, driver, and loss schedules", "Operations, radius, commodities, filings, and annual mileage", "Revenue, vehicle ownership, leasing, maintenance, and safety controls", "Requested liability, physical damage, cargo, and ancillary coverages" ] }, { "name": "Inland Marine", "published_target": "$50K", "path": "/appetite/tree-trimming/inland-marine", "preparation_facts": [ "Detailed equipment or property schedule with values and identifiers", "Transit, storage, territory, jobsite, and catastrophe information", "Security, tracking, maintenance, and theft controls", "Requested valuation, deductibles, limits, and coverage extensions" ] } ], "hedge_form_paths": [ "/insurance-forms/hedge-contractors-supplemental", "/insurance-forms/hedge-workers-compensation-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ] }, { "class_slug": "trucking-small-fleet", "class_name": "Trucking. small fleet (1-10 power units)", "path": "/submission-requirements/trucking-small-fleet", "appetite_path": "/appetite/trucking-small-fleet", "public_status": "In current public appetite", "core_packet": [ "Correct applicant entities, operations, locations, requested coverage, limits, and effective date", "Currently valued loss runs for relevant entities, lines, and policy periods", "Exposure schedules and supporting records with internally consistent totals", "Primary application and the class or coverage sections that apply", "A direct explanation of difficult facts, losses, gaps, and requested terms" ], "class_specific_facts": [ "MC number + USDOT", "Driver MVRs (last 3 years)", "Radius of operation", "Commodity hauled", "5-year loss runs" ], "stronger_profile": [ "Local/intermediate radius (≤ 500 mi)", "Dry van / refrigerated", "CDL drivers, 3+ years experience" ], "coverage_guides": [ { "name": "Commercial Auto and Trucking", "published_target": "$1M CSL", "path": "/appetite/trucking-small-fleet/commercial-auto", "preparation_facts": [ "Vehicle, driver, and loss schedules", "Operations, radius, commodities, filings, and annual mileage", "Revenue, vehicle ownership, leasing, maintenance, and safety controls", "Requested liability, physical damage, cargo, and ancillary coverages" ] }, { "name": "Inland Marine", "published_target": "$100K", "path": "/appetite/trucking-small-fleet/inland-marine", "preparation_facts": [ "Detailed equipment or property schedule with values and identifiers", "Transit, storage, territory, jobsite, and catastrophe information", "Security, tracking, maintenance, and theft controls", "Requested valuation, deductibles, limits, and coverage extensions" ] }, { "name": "Commercial General Liability", "published_target": "$1M / $2M", "path": "/appetite/trucking-small-fleet/general-liability", "preparation_facts": [ "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" ] } ], "hedge_form_paths": [ "/insurance-forms/hedge-commercial-auto-and-trucking-supplemental", "/insurance-forms/hedge-loss-and-claims-supplement" ] }, { "class_slug": "vacant-building", "class_name": "Vacant commercial buildings", "path": "/submission-requirements/vacant-building", "appetite_path": "/appetite/vacant-building", "public_status": "In current public appetite", "core_packet": [ "Correct applicant entities, operations, locations, requested coverage, limits, and effective date", "Currently valued loss runs for relevant entities, lines, and policy periods", "Exposure schedules and supporting records with internally consistent totals", "Primary application and the class or coverage sections that apply", "A direct explanation of difficult facts, losses, gaps, and requested terms" ], "class_specific_facts": [ "Date of last occupancy", "Renovation timeline + permits", "Security: alarm, fencing, lighting", "Utilities status (winter heat critical)", "Photos of all 4 elevations" ], "stronger_profile": [ "Under renovation with active permits", "Central station alarm + sprinklers", "Plans to re-occupy within 12 months" ], "coverage_guides": [ { "name": "Commercial Property", "published_target": "$10M / loc", "path": "/appetite/vacant-building/commercial-property", "preparation_facts": [ "Current statement of values with construction, occupancy, protection, and exposure details", "Valuation support, requested causes of loss, deductibles, and coinsurance terms", "Currently valued loss runs and remediation information", "Roof, electrical, plumbing, heating, occupancy, and catastrophe-control details" ] }, { "name": "Commercial General Liability", "published_target": "$1M / $2M", "path": "/appetite/vacant-building/general-liability", "preparation_facts": [ "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" ] } ], "hedge_form_paths": [ "/insurance-forms/hedge-vacant-building-and-land-supplemental", "/insurance-forms/hedge-schedule-of-locations-supplement", "/insurance-forms/hedge-loss-and-claims-supplement" ] }, { "class_slug": "warehouse", "class_name": "Warehouses & distribution", "path": "/submission-requirements/warehouse", "appetite_path": "/appetite/warehouse", "public_status": "In current public appetite", "core_packet": [ "Correct applicant entities, operations, locations, requested coverage, 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Liability", "published_target": "Per goods stored", "path": "/appetite/warehouse/product-liability", "preparation_facts": [ "Product schedule, end uses, sales, territories, and distribution channels", "Design, manufacturing, supplier, testing, warning, and quality-control information", "Contracts, indemnification, additional-insured requirements, and recall plans", "Currently valued losses, incidents, complaints, and discontinued-product history" ] } ], "hedge_form_paths": [ "/insurance-forms/hedge-schedule-of-locations-supplement", "/insurance-forms/hedge-loss-and-claims-supplement" ] } ] }