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 Restaurants.
Direct answer. Workers Compensation is included in Hedge's published target coverage for Restaurants 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. Sit-down, fast-casual, QSR. Liquor optional. Owner-operated wins.
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.
- 5-year loss runs
- % sales: food / liquor / takeout
- Hood cleaning frequency
- Years in operation under current owner
- Live music / late-night / dance floor?
Conditions that need closer review
- Bars / lounges > 50% liquor
- Late-night (after 1 AM)
- Hibachi / open-flame tableside
- Adult entertainment establishments
- Hookah lounges as primary use
- Nightclubs with cover charge as primary revenue
Stronger starting profile
Controls and facts to surface.
- Sit-down dining, < 30% liquor
- Owner on premises, 2+ years
- Quarterly hood cleaning + ANSUL
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.