Review case by case in Nevada / P&C

Bars & nightclubs in Nevada.

Bars & nightclubs in Nevada is reviewed case by case in Hedge's current published wholesale appetite for licensed retail insurance brokers. Las Vegas Strip individually reviewed. 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.

NAICS   722410
Also known as   tavern, pub, lounge, cocktail bar
Coverage

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.

General Liability $1M / $2M General Liability wholesale → Liquor Liability $1M / $2M Liquor Liability wholesale → Commercial Property $3M / loc Commercial Property wholesale → Assault & Battery sub-limit $100K / $300K Assault & Battery sub-limit wholesale →
Knowledge graph

Go deeper by coverage and packet.

Use the narrowest guide for the question. Coverage pages explain the line for this class; the submission guide organizes the first packet.

$1M / $2M General Liability for bars & nightclubs Coverage context, underwriting facts, forms, and preparation guidance. $1M / $2M Liquor Liability for bars & nightclubs Coverage context, underwriting facts, forms, and preparation guidance. $3M / loc Commercial Property for bars & nightclubs Coverage context, underwriting facts, forms, and preparation guidance.
Submission preparation
What to submit for bars & nightclubs
Open class checklist →
Sweet spot

Where this fits cleanly.

This profile is the strongest starting point. Hedge confirms current market fit and route after reviewing the account.

01 Neighborhood bar with kitchen
02 Trained door staff (TIPS or local equiv.)
03 Cameras inside + on entry
Submission

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
By state

Other states for this class.

Same class, different state. Each state page covers the verdict, limits, and any state-specific subjectivities.

Bars & nightclubs in New York
NY · Review case by case
NYC needs full security plan with submission.
Bars & nightclubs in Texas
TX · Review case by case
TABC compliance documents required at bind.
Related

Adjacent classes.

Often relevant to a submission in this class.

P&C Apartment buildings & multi-family P&C Auto repair shops P&C Churches & religious institutions P&C Course of construction
FAQ

Common questions.

Does Hedge write bars & nightclubs in Nevada?

Case by case in Nevada. Las Vegas Strip individually reviewed. The base appetite guidance still applies, subject to account and market review.

What's different about bars & nightclubs in Nevada?

Las Vegas Strip individually reviewed. This is the state-specific issue to address up front. The base bars & nightclubs guidance otherwise applies. See the Submission section for the current list.

What limits will Hedge offer on bars & nightclubs in Nevada?

General Liability target up to $1M / $2M; Liquor Liability target up to $1M / $2M; Commercial Property target up to $3M / loc; Assault & Battery sub-limit target up to $100K / $300K. These are published targets, not promised terms. Las Vegas Strip individually reviewed. Available limits are confirmed after account and market 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