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 →Class and coverage guide
Commercial Property for Bars & nightclubs.
Direct answer. Commercial Property is included in Hedge's published target coverage for Bars & nightclubs under the line Commercial Property, with a published target of $3M / loc. The current public class status is review case by case. Hedge must confirm current fit, route, and available terms after reviewing the real account.
Coverage context
What this coverage question means.
Commercial property insurance commonly addresses direct physical loss to scheduled buildings, business personal property, and related time-element interests, subject to the policy form and causes of loss. Wholesale review may be appropriate when occupancy, construction, protection, catastrophe exposure, valuation, vacancy, losses, or requested limits do not fit an admitted market.
Class context. Bars and lounges with door control and trained staff. Nightclubs reviewed case-by-case.
Terms depend on the policy and account
This page does not interpret a policy or promise coverage. Actual coverage depends on the issued forms, endorsements, exclusions, conditions, limits, and facts accepted by the insurer.
Underwriting facts
What changes the answer.
- 5-year loss runs (all lines)
- Door staff training & ID checks
- Closing hour + last call
- % revenue food vs. liquor
- Cover charge / dance floor?
- Incident log last 3 years
Conditions that need closer review
- Dance club with cover charge
- Late-night (open past 2 AM)
- Prior assault & battery claims
- Strip clubs / adult venues
- Hookah-only lounges
- Underground / unlicensed venues
Stronger starting profile
Controls and facts to surface.
- Neighborhood bar with kitchen
- Trained door staff (TIPS or local equiv.)
- Cameras inside + on entry
Hedge forms
Useful class-specific preparation resources.
These Hedge-owned forms may help organize the account. A form listing does not make the form mandatory for every submission and does not prove appetite or market access.
Hospitality and events
Hedge Liquor Liability Supplemental
A fillable Hedge supplemental for liquor liability exposures.
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 →Standard form references
Common commercial form sections to understand.
Use the edition accepted by the intended market. Hedge explains these form purposes but does not republish ACORD files in its public form library.
ACORD 125
Commercial Insurance Application Applicant Information Section
The applicant-information foundation for a commercial insurance submission. It organizes the named insured, business operations, locations, prior coverage, requested lines, and other account-level facts that line-specific sections build on.
Read form guide →ACORD 140
Property Section
The commercial property section used to describe premises, buildings, values, construction, occupancy, protection, causes of loss, deductibles, and other property-specific requests.
Read form guide →State detail
Published class-specific state notes.
NY / Review case by case
Bars & nightclubs in NY
NYC needs full security plan with submission.
Open state appetite →TX / Review case by case
Bars & nightclubs in TX
TABC compliance documents required at bind.
Open state appetite →NV / Review case by case
Bars & nightclubs in NV
Las Vegas Strip individually reviewed.
Open state appetite →Next step
Build the account before choosing a route.
Open the class submission guide for the first-packet checklist, then have Hedge review the actual account. Do not infer a carrier, route, or authorization from this public page.