Nightlife businesses deserve to thrive.

A new kind of insurance broker for New York’s bars, venues, and clubs. We’ve lowered premiums up to 20% through active risk management.

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Insurance shouldn’t keep you up at night.

Every year, it costs more to stay open.

“At Elsewhere, we saw premiums triple, despite getting safer each year.”

Dhruv Chopra
Dhruv ChopraCo-founder & CEO, Third Space · formerly Elsewhere

We’ve made it our mission to lower premiums.

Technology lets us do work that isn’t otherwise possible.

Active Risk Management

We act as your head of risk: tightening documentation, tracking licenses and permits, preserving camera footage, and building defense-grade incident files. If you get sued, you and your carrier are ready.

Savings Score

96 / 100

We reverse-engineered how carriers price you and turned it into a transparent score. See exactly how your actions move your rate, which we’ll help you improve.

Enriched Renewals

We get to know your business as well as you do, then tell your story to the right carriers. Underwriters are human, and narrative matters.

“Our clients are founders who grind every night to keep their doors open. Building something worthy of them means solving the hardest problems in insurance.”

Vinai Rachakonda
Vinai RachakondaCo-founder & CTO, ex-Ramp

Your premiums don’t have to increase every year.

It starts with a short call to understand your needs. If we can help, we’ll review the fine print in your current policies, see where the gaps are, and whether you’re paying a fair price. Our system is effective but takes some work, so we only take on a handful of clients at a time. If we can’t save you money, we won’t take your business.

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