Hedge/Submission requirements/Restaurants
Class-specific first packet

Submission requirements for Restaurants.

Direct answer. Start with a clear operations narrative, the requested coverage and effective date, currently valued loss runs, accurate schedules, and the 5 class-specific facts below. The current public class status is in current public appetite; Hedge still must confirm eligibility, route, and the exact market requirements.

Public class statusIn current public appetite
Target coverage guides4
Reviewed2026-08-24
Core packet

Build one internally consistent account.

  • Applicant information with the correct legal entities and a precise operations description
  • Requested lines, limits, effective date, and any contract or certificate requirements
  • Currently valued loss runs for the relevant entities, lines, and policy periods
  • Exposure schedules and supporting documents that reconcile to the application
  • Class-specific supplemental information and a direct explanation of difficult facts
Do not send from this checklist alone

Hedge must confirm the intended route and review the exact files. Do not send submission material to a competing wholesale intermediary or another producer.

Class facts

Answer these before market review.

  • 5-year loss runs
  • % sales: food / liquor / takeout
  • Hood cleaning frequency
  • Years in operation under current owner
  • Live music / late-night / dance floor?

Stronger profile indicators

  • Sit-down dining, < 30% liquor
  • Owner on premises, 2+ years
  • Quarterly hood cleaning + ANSUL
Coverage checklists

Prepare the facts for each requested line.

Only request coverage the insured actually needs. Open the line guide to see the class-specific published target and preparation questions.

Commercial Property / $5M / loc

Prepare for Commercial Property

Current statement of values with construction, occupancy, protection, and exposure details; Valuation support, requested causes of loss, deductibles, and coinsurance terms; Currently valued loss runs and remediation information

Open class coverage guide →
General Liability / $1M / $2M

Prepare for Commercial General Liability

Detailed operations narrative and class splits; Revenue, payroll, subcontractor cost, and geographic breakdown; Currently valued loss runs and an explanation of material claims

Open class coverage guide →
Liquor Liability / $1M / $2M (if needed)

Prepare for Liquor Liability

Alcohol, food, and total receipts with operating hours and service model; Licenses, server training, ID checks, security, transportation, and incident controls; Entertainment, dancing, promotions, events, and occupancy information

Open class coverage guide →
Workers Compensation / Statutory

Prepare for Workers Compensation

Payroll by state, class code, and entity; Experience modification worksheet and currently valued loss runs; Operations, safety, hiring, return-to-work, and subcontractor controls

Open class coverage guide →
Hedge forms

Forms that may help organize this class.

The intended market may require different or additional applications. These public Hedge forms are preparation resources, not evidence of access or authority.

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 →
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 →
Review and release

Keep preparation, routing, and authority separate.

  • Preparation: the packet is internally complete enough for review
  • Fit: the class, state, coverage, and account facts are within current appetite
  • Route: Hedge has confirmed the permitted submission channel
  • Quote: actual terms have been returned for this account
  • Bind: the authorized party and all subjectivities have been confirmed
Submit for Hedge reviewOpen public appetiteBrowse all forms