Bars & nightclubs in New York.

Bars and lounges with door control and trained staff. Nightclubs reviewed case-by-case.

NAICS 722410

Also known as tavern, pub, lounge, cocktail bar

NYC needs full security plan with submission.

Submit a risk All states for this class

Coverage

What we'd quote.

Standard limits on a clean bars & nightclubs submission. Excess towers structured on request.

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 →

Sweet spot

Where this fits cleanly.

When the file matches this profile we quote without referral.

01 Neighborhood bar with kitchen

02 Trained door staff (TIPS or local equiv.)

03 Cameras inside + on entry

Submission

What we'll need to bind.

Pull these together with the file and we quote in hours.

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 Texas

TX · Edge, case by case

TABC compliance documents required at bind.

Bars & nightclubs in Nevada

NV · Edge, case by case

Las Vegas Strip individually reviewed.

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 New York?

Case by case in New York. NYC needs full security plan with submission. The base appetite still applies. Send the file and we'll quote with the state-specific carve-outs.

What's different about bars & nightclubs in New York?

NYC needs full security plan with submission. That's the carve-out brokers need to know about up front. Everything else mirrors the base bars & nightclubs appetite. See the Submission section for the full list.

What limits will Hedge offer on bars & nightclubs in New York?

General Liability to $1M / $2M; Liquor Liability to $1M / $2M; Commercial Property to $3M / loc; Assault & Battery sub-limit to $100K / $300K. Excess towers are structured on request. State-specific carve-outs (e.g. NY New York wind / wildfire / labor-law endorsements) priced individually.

· LAST REVIEWED 2026-05-19 · HEDGE SPECIALTY DBA TAVEN INSURANCE SERVICES LLC CA LICENSE #6018729 NPN 22154671