Hedge/Submission requirements/Environmental contractors
Class-specific first packet

Submission requirements for Environmental contractors.

Direct answer. Start with a clear operations narrative, the requested coverage and effective date, currently valued loss runs, accurate schedules, and the 4 class-specific facts below. The current public class status is review case by case; Hedge still must confirm eligibility, route, and the exact market requirements.

Public class statusReview case by case
Target coverage guides3
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.

  • License + certification (state)
  • Type of work + % of revenue
  • Project sizes (small to large)
  • Subcontractors used?

Stronger profile indicators

  • Mold remediation < $250K projects
  • Lead abatement (residential)
  • Asbestos abatement (Class III/IV trained)
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.

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 →
Miscellaneous E&O / $1M / $2M

Prepare for Miscellaneous Professional Liability

Detailed service descriptions and revenue by service; Representative contracts, scope, indemnity, and limitation-of-liability terms; Staff qualifications, quality controls, and client profile

Open class coverage guide →
General Liability / $1M / $2M

Prepare for Commercial General Liability

Detailed operations narrative and class splits; Revenue, payroll, subcontractor cost, and geographic breakdown; Currently valued loss runs and an explanation of material 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.

Specialty classes

Hedge Environmental and Pollution Supplemental

A fillable Hedge supplemental for environmental and pollution liability exposures.

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

Environmental contractors in CA

DTSC registration required for haz waste.

Open state appetite →
NY / Review case by case

Environmental contractors in NY

ICR-56 / ICR-78 cert required for asbestos.

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