ACORD 185: Restaurant/Tavern Supplement

ACORD 185 is the Restaurant / Tavern Supplement. It gathers establishment, cooking, entertainment, alcohol, and financial information to supplement the market's main application.

What it is

ACORD 185 is the Restaurant / Tavern Supplement. It gathers establishment, cooking, entertainment, alcohol, and financial information to supplement the market's main application.

Prepare the facts with the operator responsible for each location. Hours, receipts, entertainment, kitchen protection, and alcohol practices should describe the actual business today rather than a generic restaurant profile.

When it's used

A restaurant or tavern market requests this supplement.
Operations involving cooking, alcohol, or entertainment need further explanation.
Locations or operating practices have changed before renewal.

Section-by-section walkthrough

Establishment information

The type of business (restaurant, diner, fast food, family style, banquet hall, tavern, nightclub, bed and breakfast inn), whether it is franchised, seasonal or year-round, and the hours of operation.

Review check: Describe the actual establishment and hours.

General information

Ownership history questions, the building's original and current occupancies, seating capacity, employee counts, whether alcohol service is restricted to beer and wine, and whether the building owner needs additional insured status.

Review check: Confirm current occupancy and operational facts.

Entertainment

Whether there is entertainment at all, and if so the nights, the age of the clientele, the acts (bands, DJs), dance floors, whether dancing is permitted, bouncers or doormen, and amusement devices like pool tables.

Review check: Include entertainment that occurs occasionally as well as regularly.

Kitchen fire protection

The automatic extinguishing system and whether it is under a maintenance contract, whether it covers all cooking surfaces, automatic fuel shutoffs, and the hood and duct cleaning routine.

Review check: Verify system coverage, maintenance, and cleaning practices.

General liability detail

Receipts split into the categories and periods the form requests, plus parking, delivery, catering, banquet, and other operational information.

Review check: Use consistent periods for receipts and operating details.

Liquor liability

The liquor license type and number, bartender and server counts, alcohol service training, the written policy on serving, happy hour and last call practices, and any liquor board violations.

Review check: Confirm license and alcohol-service information.

Bed and breakfast inn

Completed only when the risk is an inn: guest rooms, whether the owners live on premises, woodburning stoves and fireplaces, emergency lighting, and smoke alarms.

Review check: Complete the inn-specific questions only as applicable.

Financial information

Financial information for the requested period, with any statements or attachments the form and market require.

Review check: Follow the form's financial and attachment instructions.

Remarks and attachments

The requested photos, financial statements, or other supporting material, clearly identified in the packet.

Review check: Include the documents the market actually requests.

In Relay

Relay can prepare supported ACORD drafts from the documents you provide. This reference guide explains ACORD 185; it is not a promise that this form or edition is available in your workspace. Check the supported form, then review the fields and missing answers before use. See how →

Common errors

Missing occasional entertainment or delivery activities.
Using receipts splits from different periods.
Listing a fire-protection system without checking maintenance details.

Common questions

Is ACORD 185 required for every restaurant?

Follow the market's instructions. It may request this supplement or its own questionnaire. Confirm how it wants multiple locations documented.

Does beer-and-wine-only service remove the need to answer alcohol questions?

No. If the selected application asks those questions, describe the actual license, sales, and service practices. The market decides how those facts affect its offer.

Form references

Confirm the form edition and requirements with the market receiving the submission.

Part of the Relay ACORD form library. Updated 2026-07-11. See how we source content.

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