Hedge/Submission requirements/Security guards Armed
Class-specific first packet

Submission requirements for Security guards Armed.

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 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.

  • Armed headcount + state firearm permits
  • Annual range qualification records
  • Use-of-force policy and de-escalation training hours
  • Assault, battery, and discharge loss runs, 5 years
  • Posts list (banks, retail, healthcare, government)

Stronger profile indicators

  • Bank, ATM-servicing, and high-value retail posts
  • State-licensed armed officers with annual qualification
  • Documented de-escalation training and incident reporting
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.

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 →
Miscellaneous E&O / $1M / $1M

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 →
Commercial Auto / $1M CSL

Prepare for Commercial Auto and Trucking

Vehicle, driver, and loss schedules; Operations, radius, commodities, filings, and annual mileage; Revenue, vehicle ownership, leasing, maintenance, and safety controls

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 Security Guard and Alarm Supplemental

A fillable Hedge supplemental for security guard, patrol, alarm, and related operations.

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 →
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