Bars & nightclubs.
Bars & nightclubs is reviewed case by case in Hedge's current published wholesale appetite for licensed retail insurance brokers. Bars and lounges with door control and trained staff. Nightclubs reviewed case-by-case. Published target coverage includes General Liability with a published target of $1M / $2M, Liquor Liability with a published target of $1M / $2M, and Commercial Property with a published target of $3M / loc. Hedge confirms current fit, the permitted submission route, and available terms after reviewing the account.
Published target coverage.
These are starting-point lines and limits for a bars & nightclubs submission. Hedge confirms current fit, route, and available terms after account review.
Review coverage and submission requirements.
Choose a coverage guide for line-specific details or open the submission guide for the first-packet checklist.
Stronger starting profile.
This profile is the strongest starting point. Hedge confirms current market fit and route after reviewing the account.
What we need for placement review.
Including these items reduces back-and-forth. Additional underwriting information may be required.
- 015-year loss runs (all lines)
- 02Door staff training & ID checks
- 03Closing hour + last call
- 04% revenue food vs. liquor
- 05Cover charge / dance floor?
- 06Incident log last 3 years
State-specific differences.
For these states, the verdict, the limits, or the subjectivities shift. Open the state page for the full picture.
Related classes.
Often relevant to a submission in this class.
Common questions.
Does Hedge write bars & nightclubs?
Case by case. Bars & nightclubs may fit, but the specific file needs the extra detail in the Submission section before Hedge can confirm a route. Bars and lounges with door control and trained staff. Nightclubs reviewed case-by-case.
What does Hedge need to quote bars & nightclubs?
5-year loss runs (all lines); Door staff training & ID checks; Closing hour + last call; % revenue food vs. liquor; plus 2 more standard items. These items support placement review, but an underwriter may request more.
Why is bars & nightclubs edge for Hedge instead of a clean yes?
Bars & nightclubs can fit, but specific files vary. The Sweet spot section lists the strongest starting profile. Send the file with the Submission items so Hedge can confirm current fit, route, and any additional underwriting requirements.
Does Hedge write tavern?
Tavern is one way brokers describe bars & nightclubs, and the same case-by-case guidance applies. The Sweet spot section covers the strongest starting profile. Send the file with the Submission items for placement review.
Public appetite is directional and may change. It is not a quote, binder, coverage commitment, or confirmation of access to any named market. Hedge confirms current fit, route, and authority after reviewing the account.
· LAST REVIEWED 2026-08-24 · HEDGE SPECIALTY DBA TAVEN INSURANCE SERVICES LLC CA LICENSE #6018729 NPN 22154671