Hospitality and events
Hedge Restaurant, Bar and Tavern Supplemental
A fillable Hedge supplemental for restaurants, bars, taverns, and related hospitality risks.
View form and fillable PDF →Class and coverage guide
Workers Compensation for Breweries & distilleries.
Direct answer. Workers Compensation is included in Hedge's published target coverage for Breweries & distilleries under the line Workers' Comp (referral), with a published target of Statutory. The current public class status is in current public appetite. Hedge must confirm current fit, route, and available terms after reviewing the real account.
Coverage context
What this coverage question means.
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.
Class context. Craft breweries, distilleries, and wineries. Taprooms welcome, weddings require special event review.
Terms depend on the policy and account
This page does not interpret a policy or promise coverage. Actual coverage depends on the issued forms, endorsements, exclusions, conditions, limits, and facts accepted by the insurer.
Underwriting facts
What changes the answer.
- Production volume (BBLs / cases per year)
- Distribution model (self-distribute, wholesale)
- Taproom + food service?
- Events held on premises?
Conditions that need closer review
- Self-distribution > 50 miles
- Cider / hard seltzer with sugar-based fermentation
- Weddings / large events
- Industrial-scale grain alcohol
- Unlicensed moonshine production
Stronger starting profile
Controls and facts to surface.
- Craft brewery, < 25,000 BBLs / year
- Taproom with light food
- Distribution via wholesaler
Hedge forms
Useful class-specific preparation resources.
These Hedge-owned forms may help organize the account. A form listing does not make the form mandatory for every submission and does not prove appetite or market access.
Hospitality and events
Hedge Liquor Liability Supplemental
A fillable Hedge supplemental for liquor liability exposures.
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 →Standard form references
Common commercial form sections to understand.
Use the edition accepted by the intended market. Hedge explains these form purposes but does not republish ACORD files in its public form library.
ACORD 130
Workers Compensation Application
The workers compensation application used to organize entities, locations, states, class codes, payroll, officer treatment, prior coverage, and experience information for workers compensation review.
Read form guide →State detail
Published class-specific state notes.
No class-specific state override is published for this class. State availability and account facts still require current review.
Next step
Build the account before choosing a route.
Open the class submission guide for the first-packet checklist, then have Hedge review the actual account. Do not infer a carrier, route, or authorization from this public page.