Hedge/Submission requirements/Course of construction
Class-specific first packet

Submission requirements for Course of construction.

Direct answer. Start with a clear operations narrative, the requested coverage and effective date, currently valued loss runs, accurate schedules, and the 5 class-specific facts below. The current public class status is in current public appetite; Hedge still must confirm eligibility, route, and the exact market requirements.

Public class statusIn current public appetite
Target coverage guides2
Reviewed2026-08-24
Core packet

Build one internally consistent account.

  • Applicant information with the correct legal entities and a precise operations description
  • Requested lines, limits, effective date, and any contract or certificate requirements
  • Currently valued loss runs for the relevant entities, lines, and policy periods
  • Exposure schedules and supporting documents that reconcile to the application
  • Class-specific supplemental information and a direct explanation of difficult facts
Do not send from this checklist alone

Hedge must confirm the intended route and review the exact files. Do not send submission material to a competing wholesale intermediary or another producer.

Class facts

Answer these before market review.

  • Total completed value
  • Hard-cost breakdown + contractor
  • Renovation: existing structure value
  • Soft costs and ALE if needed
  • Estimated completion date

Stronger profile indicators

  • Ground-up commercial < $25M
  • Licensed GC with 5+ years experience
  • Sprinklered construction
Coverage checklists

Prepare the facts for each requested line.

Only request coverage the insured actually needs. Open the line guide to see the class-specific published target and preparation questions.

Builders Risk / $25M completed value

Prepare for Builders Risk

Project scope, timeline, budget, and completed-value support; Site, construction, protection, catastrophe, and adjacent-property information; Owner, contractor, lender, and loss-payee interests

Open class coverage guide →
Environmental and Pollution / $1M / $2M

Prepare for Environmental and Pollution Liability

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

Open class coverage guide →
Hedge forms

Forms that may help organize this class.

The intended market may require different or additional applications. These public Hedge forms are preparation resources, not evidence of access or authority.

Construction

Hedge Builders Risk Supplemental

A fillable Hedge supplemental for new construction and renovation builders risk accounts.

View form and fillable PDF →
Any risk

Hedge Schedule of Locations Supplement

A fillable Hedge schedule for presenting multiple premises and location-level exposure information.

View form and fillable PDF →
Any risk

Hedge Loss and Claims Supplement

A fillable Hedge supplement for organizing prior losses, claims, and open-claim detail for wholesale review.

View form and fillable PDF →
State notes

Published class-specific state differences.

CA / Review case by case

Course of construction in CA

Wildfire WUI requires defensible space documentation.

Open state appetite →
Review and release

Keep preparation, routing, and authority separate.

  • Preparation: the packet is internally complete enough for review
  • Fit: the class, state, coverage, and account facts are within current appetite
  • Route: Hedge has confirmed the permitted submission channel
  • Quote: actual terms have been returned for this account
  • Bind: the authorized party and all subjectivities have been confirmed