Hedge/Submission requirements/Cyber for any commercial
Class-specific first packet

Submission requirements for Cyber for any commercial.

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 guides1
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.

  • Annual revenue
  • Records count (PII / PHI / PCI)
  • MFA on email + remote access?
  • Endpoint protection (EDR)?
  • Backups: frequency + offline copy?

Stronger profile indicators

  • Revenue < $50M, MFA + EDR
  • Backup-tested in last 6 months
  • Email filtering with phishing rules
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.

Cyber and Tech E&O / $5M / $5M

Prepare for Cyber Liability and Technology E&O

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

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.

Professional and management

Hedge Cyber and Technology E&O Supplemental

A fillable Hedge supplemental for cyber liability and technology errors and omissions risks.

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 / In current public appetite

Cyber for any commercial in CA

CCPA/CPRA exposure auto-included.

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