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.
These are starting-point lines and limits for a bars & nightclubs submission. Hedge confirms current fit, route, and available terms after account review.
Use the narrowest guide for the question. Coverage pages explain the line for this class; the submission guide organizes the first packet.
This profile is the strongest starting point. Hedge confirms current market fit and route after reviewing the account.
Including these items reduces back-and-forth. Additional underwriting information may be required.
For these states, the verdict, the limits, or the subjectivities shift. Open the state page for the full picture.
Often relevant to a submission in this class.
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.
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.
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.
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