Hedge-owned form
Hedge Workers Compensation Supplemental
A fillable Hedge supplemental for workers compensation exposure review.
Read and downloadWholesale coverage guide
Workers Compensation.
Direct answer. Workers compensation insurance addresses statutory employee benefits for work-related injury or disease and commonly includes employers liability, subject to state law and policy terms. Wholesale or specialty review may be needed for difficult class codes, adverse experience modification, hazardous work, new ventures, multi-state operations, or coverage gaps.
Wholesale fit
When specialty review may help.
- Roofing, height, staffing, transportation, healthcare, or other difficult classifications
- Adverse loss experience or experience modification
- New ventures, lapses, multi-state payroll, or Professional Employer Organization complications
- Subcontractor, independent-contractor, or employee-classification concerns
Authority boundary
This guide is educational. It does not confirm current appetite, carrier access, a quote, policy terms, or bind authority. Account-specific eligibility requires Hedge review.
Submission quality
Prepare the decision facts.
Information to prepare
- Payroll by state, class code, and entity
- Experience modification worksheet and currently valued loss runs
- Operations, safety, hiring, return-to-work, and subcontractor controls
- Ownership, officer inclusion or exclusion, and prior coverage history
Questions that change the placement
- Which employees perform which work in each state?
- What drove the losses or experience modification?
- Are there uninsured subcontractors or classification disputes?
- What safety and return-to-work controls are currently operating?
Hedge resources
Forms and class guidance for this coverage.
Hedge-owned form
Hedge Roofing Contractors Supplemental
A fillable Hedge supplemental for commercial and residential roofing contractors.
Read and downloadHedge-owned form
Hedge Contractors Supplemental
A fillable Hedge supplemental for contractors and construction operations.
Read and downloadHedge-owned form
Hedge Loss and Claims Supplement
A fillable Hedge supplement for organizing prior losses, claims, and open-claim detail for wholesale review.
Read and downloadClass appetite
Roofing contractors
Read the public, directional class guidance and prepare for account-specific review.
Review class guidanceClass appetite
Tree trimming & removal
Read the public, directional class guidance and prepare for account-specific review.
Review class guidanceClass appetite
PEO & staffing firm EPLI
Read the public, directional class guidance and prepare for account-specific review.
Review class guidanceRelated coverage
Build the whole program.
Coverage guide
Commercial General Liability
Commercial general liability commonly addresses third-party bodily injury, property damage, and personal and advertising injury, subject to the actual policy terms, exclusions, and endorseme...
Open guideCoverage guide
Commercial Auto and Trucking
Commercial auto insurance commonly addresses liability and physical damage arising from scheduled business vehicles, while motor carrier programs may add cargo, trailer, non-trucking, or oth...
Open guideCoverage guide
Employment Practices Liability
Employment practices liability commonly addresses specified claims involving employment-related wrongful acts such as discrimination, harassment, retaliation, or wrongful termination. Workfo...
Open guideCommon questions
Use the guide safely.
Does this page confirm that Hedge can place this account?
No. It explains the coverage and the information that commonly changes a wholesale review. Use the appetite checker or submit the account facts for a current Hedge decision.
What should a retail agent send first?
Payroll by state, class code, and entity Experience modification worksheet and currently valued loss runs Operations, safety, hiring, return-to-work, and subcontractor controls Ownership, officer inclusion or exclusion, and prior coverage history
Can an AI agent use this page?
Yes for research, citations, and safe prefill. Customer data and submission actions belong in Hedge's authenticated OAuth and MCP workflow and require explicit user approval.
Next action
Bring Hedge the account facts.
Start with public appetite, use the relevant Hedge forms to organize the file, then send a reviewable submission through Hedge. A form start is not a market submission.