Preparation guide and PDF access

ACORD 185: Restaurant and Tavern Supplement.

A restaurant and tavern supplement used to organize food, alcohol, entertainment, hours, cooking, delivery, security, and other hospitality exposures.

The fillable PDF is available through ACORD's licensed portal. This page is a preparation guide, not a hosted download.

Form numberACORD 185
Edition shown in index2011/09
Source reviewed2026-08-24
Electronic fillable PDF access

Get the ACORD 185 PDF.

Already have an eligible ACORD account? Open the Forms Portal and search for form 185. Check the edition your intended market accepts before completing it. An ACORD account and eligible Forms program are required.

Need help identifying the form or access path? Request access help from Hedge. This is a request for assistance, not an instant download or an insurance submission.

Do not include insured information or upload risk files in a form request.
ACORD 185 details

How the form is used.

What is ACORD 185 used for?
A restaurant and tavern supplement used to organize food, alcohol, entertainment, hours, cooking, delivery, security, and other hospitality exposures.
Is ACORD 185 editable?
Yes. Request access help from Hedge or choose the electronic fillable PDF in ACORD's licensed Forms Portal.
Which edition is shown?
2011/09 was observed in ACORD's index on 2026-08-24. The intended market decides what it accepts.
Does Hedge host the PDF?
No. Hedge explains the form and links to ACORD's licensed source.
Before completing ACORD 185

Make the operating model clear.

Preparation guidance from Hedge. Follow the instructions in the accepted form edition and the intended market's requirements.

  1. Separate food, alcohol and other receipts and identify the period used for the estimates.
  2. Describe hours, entertainment, delivery and security alongside cooking and fire-protection information.
  3. Explain prior incidents and any differences between the advertised concept and actual late-night operations.
Illustrative preparation example

What a clearer packet looks like.

A restaurant becomes a late-night venue on weekends. State the different hours, entertainment and alcohol mix rather than describing every day as ordinary dinner service.

Hypothetical example, not a placement result or a coverage determination.

ACORD 185 vs. 803

ACORD 185 adds restaurant and tavern operations detail. ACORD 803 focuses on liquor liability exposures. The restaurant supplement is not a substitute for the alcohol-service information a market requests.

Read the ACORD 803 guide
Information organized

Facts to prepare.

  • Food and alcohol sales
  • Hours and closing time
  • Entertainment and dancing
  • Cooking and fire protection
  • Security, delivery, and prior incidents
Quality control

Review before using the form.

  • Separate liquor sales from total receipts
  • Describe late-night and entertainment operations
  • Include liquor liability detail when alcohol exposure is material
Edition, rights, and market boundary

The edition shown is the edition observed in the official index on the review date. Confirm the acceptable edition, jurisdiction, and related forms with the intended market. Hedge links to ACORD's licensed download source and does not host or redistribute the ACORD file.

Related Hedge forms

Hedge-owned supplements that may add class detail.

These fillable Hedge resources can support preparation but do not replace a required ACORD or market-specific application.

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 →
Common questions

Use ACORD 185 correctly.

Where can I get help accessing the editable ACORD 185 PDF?

Request ACORD 185 from Hedge for help identifying the current edition and an authorized access path, or use ACORD's official Forms Portal. Hedge does not host or redistribute the ACORD PDF.

What information does ACORD 185 collect?

Food and alcohol sales; Hours and closing time; Entertainment and dancing; Cooking and fire protection; Security, delivery, and prior incidents.

Is edition 2011/09 accepted by every market?

No. That is the edition observed in ACORD's index on the source-review date. Confirm the edition, jurisdiction, related forms, and any market-specific application before releasing the packet.

Sources

Verify against the publisher.

Official source

ACORD Forms Index

Use the official source to confirm form availability, edition, jurisdiction, licensing, and related-form information.

Open official source →
Official source

ACORD Forms Portal

Use the official source to confirm form availability, edition, jurisdiction, licensing, and related-form information.

Open official source →
Official source

ACORD Forms Program

Use the official source to confirm form availability, edition, jurisdiction, licensing, and related-form information.

Open official source →
Official source

ACORD eForms

Use the official source to confirm form availability, edition, jurisdiction, licensing, and related-form information.

Open official source →
Next step

Assemble the account-specific packet.

Use the class submission guide to identify the underwriting facts and Hedge forms that may apply, then have Hedge confirm the intended market and route.