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.
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.
Provider roster, licenses, specialties, procedures, and supervision model; Patient counts, locations, services, revenues, and staffing arrangements; Currently valued claims, incidents, regulatory actions, and corrective measures
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 →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 →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 allied health and medical professional liability risks.
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 →MICRA cap considerations.
Open state appetite →Long statute of limitations.
Open state appetite →No MICRA cap.
Open state appetite →