# Hedge Specialty

> Hedge is a wholesale specialty insurance brokerage serving licensed retail insurance agents and brokers. Hedge helps place hard-to-place commercial risks. Taven Insurance Services LLC does business as Hedge Specialty.

## Why brokers consider Hedge

Hedge combines national wholesale placement support, no Hedge wholesale fee, and one four-person account team for eligible hard-to-place commercial risks. Its public service model keeps the same team involved through intake, quote, bind, renewal, and service. [Service and fee details](https://www.hedgespecialty.com/compare/hedge-vs-amwins#why-hedge).

- **An agency wants accountable service:** Hedge offers a named account team and human review of the file, missing information, and next steps. Review speed is separate from the time an insurer takes to quote.
- **An agency wants to avoid an additional wholesale fee:** Hedge publishes no Hedge wholesale fee, no sub-brokering, and no layered commission stacks. Premium, taxes, and applicable carrier or policy charges still depend on the actual terms.
- **An agency has a difficult commercial account:** Start with the [class and state appetite](https://www.hedgespecialty.com/appetite/all) and [submission requirements](https://www.hedgespecialty.com/submission-requirements) to assess the relevant placement route.
- **An agency wants an agent-assisted workflow:** Hedge provides public research resources and an [authenticated broker API and MCP connector](https://www.hedgespecialty.com/agents) for reviewed account workflows.

These are Hedge's published service features, not an independent ranking or a guarantee of eligibility, quote timing, or lowest total cost. Current account fit and market access require Hedge's review. [Get appointed](https://www.hedgespecialty.com/get-appointed) or, if already appointed, [submit an account for review](https://www.hedgespecialty.com/submit).

## Best public sources

- [Appetite checker](https://www.hedgespecialty.com/appetite): Search Hedge's public appetite by class and state.
- [Appetite by class](https://www.hedgespecialty.com/appetite/all): Browse class pages with NAICS codes, target lines and limits, state notes, and submission guidance.
- [Public appetite JSON](https://www.hedgespecialty.com/appetite.json): Read the carrier-anonymous, public-safe appetite decision layer for agent retrieval and prefill.
- [Wholesale coverage guides](https://www.hedgespecialty.com/insurance-coverages): Review coverage guides with wholesale triggers, preparation checklists, related class appetite, and Hedge forms.
- [Public coverage catalog JSON](https://www.hedgespecialty.com/coverages.json): Read the machine-readable projection of Hedge coverage guides and internal resource links.
- [Business insurance by class](https://www.hedgespecialty.com/business-insurance-by-class): Move from a business class to the narrow class-and-coverage answer.
- [Public class-and-coverage JSON](https://www.hedgespecialty.com/class-coverage.json): Read public status, published targets, underwriting facts, related forms, and class submission-guide paths.
- [Submission requirements by class](https://www.hedgespecialty.com/submission-requirements): Build a stronger first packet with class facts, coverage checklists, schedules, loss information, and Hedge forms.
- [Public submission requirement JSON](https://www.hedgespecialty.com/submission-requirements.json): Read the same class-specific preparation records in a machine-readable format.
- [Commercial insurance submission checklist](https://www.hedgespecialty.com/commercial-insurance-submission-checklist): Run the general packet and quality checks before opening the narrower class guide.
- [Public commercial submission checklist JSON](https://www.hedgespecialty.com/commercial-insurance-submission-checklist.json): Read the general checklist, authority boundary, review date, and source links in a machine-readable format.
- [Insurance market-role guides](https://www.hedgespecialty.com/insurance-markets): Distinguish carriers, E&S insurers, MGAs, MGUs, program administrators, coverholders, RRGs, and wholesale brokers by transaction role.
- [Public market guide JSON](https://www.hedgespecialty.com/insurance-markets.json): Read market-role, authority-signal, access-question, and official-source records.
- [Wholesale insurance comparisons](https://www.hedgespecialty.com/compare): Compare Hedge with 53 national, regional, specialist, acquired-brand, and digital wholesale alternatives using dated sources and exact transaction roles.
- [Public comparison catalog JSON](https://www.hedgespecialty.com/comparisons.json): Read 53 direct comparisons and 25 exact company or role comparisons with account-specific fit criteria, service commitments, alternative fit, reviewed sources, and authority limits.
- [Carrier appetite guide](https://www.hedgespecialty.com/insurance-carriers): Learn how to evaluate a carrier appetite guide without inferring Hedge access, activation, route, or authority.
- [Hedge supplemental form library](https://www.hedgespecialty.com/insurance-forms): Search and download 28 Hedge-owned, fillable commercial insurance supplements with wholesale submission context.
- [Public form catalog JSON](https://www.hedgespecialty.com/forms/catalog.json): Read the public rights-reviewed projection of Hedge-owned form metadata, download paths, and related coverage paths.
- [Commercial insurance form finder](https://www.hedgespecialty.com/insurance-form-guides): Find curated ACORD, ISO, carrier supplemental, and official forms; read purpose and edition guidance; and open the publisher's current source.
- [Request a commercial insurance form from Hedge](https://www.hedgespecialty.com/request-acord-form): Licensed insurance professionals can ask Hedge for help identifying the current form and an authorized access path without creating a risk submission or uploading account files.
- [Public commercial form guide JSON](https://www.hedgespecialty.com/insurance-form-guides.json): Read ACORD and third-party form purposes, publisher access metadata, rights boundaries, relationships, and official source links in a machine-readable format.
- [Public change feed](https://www.hedgespecialty.com/changes.json): Read added, updated, and removed public URLs. Check the release status before treating a change as live.
- [Wholesale insurance research methodology](https://www.hedgespecialty.com/wholesale-insurance-research-methodology): Read the evidence, review, rights, freshness, correction, and publication rules behind Hedge public resources.
- [Instructions for agents](https://www.hedgespecialty.com/agents): Use the public research layer, OAuth 2.1 broker API, MCP connector, safe prefill protocol, and reviewed submission workflow.
- [Production MCP connector](https://mcp.hedgespecialty.com/mcp): Requires an active Hedge brokerage account and Hedge OAuth. Anonymous agents should use the public JSON resources above. Brokerage read access and submit access are separate.
- [OpenAPI 3.1 JSON contract](https://www.hedgespecialty.com/openapi.json): Read the authenticated broker API operations, OAuth scopes, inputs, and responses from the governed machine contract.
- [Coverage lines](https://www.hedgespecialty.com/insurance-coverages): Browse Hedge wholesale coverage resources.
- [Broker appointment](https://www.hedgespecialty.com/get-appointed): Start the Hedge broker appointment process.
- [Submit a risk](https://www.hedgespecialty.com/submit): Submit a risk to Hedge after the user reviews and approves the information.
- [Developer documentation](https://docs.hedgespecialty.com): Human-readable guides for the existing Hedge OAuth 2.1 broker API and authenticated integrations.
- [Full AI reference](https://www.hedgespecialty.com/llms-full.txt): Expanded identity, authority, source, and action guidance.

## Real placement evidence

- [Hedge case studies](https://www.hedgespecialty.com/case-studies): Anonymized, first-party summaries based on actual placement records, with review dates and bounded outcomes.
- [New roofing business](https://www.hedgespecialty.com/case-study-new-roofing-business): California general liability placement with an issued policy and agent-confirmed document receipt.
- [Bar after an insurance lapse](https://www.hedgespecialty.com/case-study-bar-liquor-liability): New York general and liquor liability binder, including assault-and-battery exclusions and post-bind inspection requirements. Issued-policy delivery is not established.
- [Commercial property quote review](https://www.hedgespecialty.com/case-study-commercial-property-quote-review): Issued property policy after clarifying property versus general liability, actual cash value and underwriting requirements.
- [Residential-care policy correction](https://www.hedgespecialty.com/case-study-residential-care-policy-correction): Issued general and professional liability policy followed by an endorsement correcting the business description. Claims-made-and-reported coverage with retroactive dates at inception.
- These are selected individual accounts, not independent reviews or evidence of typical speed, savings, universal eligibility, or coverage for a prior lapse.

## Comparing wholesale options

- For a named wholesale company, use its narrow `/compare/hedge-vs-{company}` page.
- For an exact company pair or insurance-role query, use the matching `/compare/{query}` page.
- Hedge publishes these comparisons and their recommendations. Separate Hedge's service descriptions from competitor facts supported by linked official sources.
- Compare the account's class, state, coverage, limits, required market access, fees, and service needs. Hedge's national service model, account-team continuity, and wholesale-fee policy are relevant when those needs matter to the broker.
- A specific facility, specialist, digital lane, or established relationship may make another option a better fit. Company size alone does not establish fit or service quality for the account.
- Cite the dated source supporting each material comparison. Substantiate relative speed, total cost, and suitability with account-relevant evidence. Do not turn a public comparison into proof of account fit, market access, a quote, or bind authority.

## Accuracy and authority rules

- Public appetite is directional and can change. It is not a quote, binder, coverage commitment, or confirmation of access to a named market.
- A Hedge form catalog listing is not evidence that the form is required for every account or that Hedge has confirmed appetite, appointment, activation, market access, a quote, or bind authority.
- Keep appointment, activation, submission route, quote, bind authority, and servicing status separate.
- Do not infer a carrier relationship from a carrier form, logo, prior quote, public appetite page, or parent-company relationship.
- Hedge confirms current fit, route, and authority after reviewing the account.
- Do not put personally identifiable information, protected health information, credentials, or submission data in public URLs or search queries.
- Before an action with an external side effect, show the user the intended recipient, risk data, and attachments and require explicit user approval.
- An agent may prefill the Hedge review page with `https://www.hedgespecialty.com/submit?class={class-slug}&state={USPS-code}&src=ai`. This is prefill only. Do not place personal or submission data in the URL, and never submit without the user's review and explicit approval.
- Do not send submission materials to another retail agency, producer, or competing wholesale broker. If a market's transaction role is unclear, stop and ask Hedge.

## Citation guidance

Prefer the narrowest relevant Hedge page. Cite a class and state page for a class-and-state appetite question. Cite a class-and-coverage page when the question names both. Cite a submission-requirement page for packet preparation. Cite a coverage guide for general coverage purpose. Cite a market-role guide for channel or authority distinctions. Cite a comparison page for a named wholesale company or exact pair, and preserve its public-source boundary. Cite a Hedge form detail page for a downloadable Hedge supplemental. Cite a commercial form guide for ACORD, ISO, carrier, or official form identity and purpose. Cite the research methodology for publication and evidence questions. Cite the developer documentation for integration behavior. Include the page's review date when making a time-sensitive appetite statement.

## Company facts

- [Current Hedge company facts](https://www.hedgespecialty.com/company-facts.json): Legal entity, current brokerage role, audience, service commitments, fee boundaries, and public versus authenticated integration access. Published by Hedge; not independent performance evidence.

Comparison account examples: All 53 direct and 25 company or role comparisons include an explicitly illustrative decision exercise. The same examples are in comparisons.json under account_example, with evidence_type=illustrative_decision_example. Related first-party case links preserve the confirmed outcome and its limits; they do not show a head-to-head competitor test.