Direct answer. Start with a clear operations narrative, the requested coverage and effective date, currently valued loss runs, accurate schedules, and the 6 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.
Hedge must confirm the intended route and review the exact files. Do not send submission material to a competing wholesale intermediary or another producer.
Only request coverage the insured actually needs. Open the line guide to see the class-specific published target and preparation questions.
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
Open class coverage guide →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 →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
Open class coverage guide →The intended market may require different or additional applications. These public Hedge forms are preparation resources, not evidence of access or authority.
A fillable Hedge supplemental for apartments and other habitational properties.
View form and fillable PDF →A fillable Hedge schedule for presenting multiple premises and location-level exposure information.
View form and fillable PDF →A fillable Hedge supplement for organizing prior losses, claims, and open-claim detail for wholesale review.
View form and fillable PDF →Wildfire score reviewed individually. Avoid 7+/10 unless built post-2010 with defensible space.
Open state appetite →Wind deductible 3-5% standard. Miami-Dade/Broward referred.
Open state appetite →Coastal tier-1 referred individually.
Open state appetite →Wind deductible required.
Open state appetite →