Nightlife businesses deserve to thrive.

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

Start your free review

{{ statement }}

{{ kicker }}

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

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

We’ve made it our mission to lower premiums.

Technology enables us to provide white glove brokerage and risk management services, at no extra cost to you.

Active Risk Management

We’re your head of risk: improving 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

{{ score }} / 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 Rachakonda Co-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 involved, 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.

Start your free review

Built by nightlife veterans, world-class technologists, and career insurance professionals. Backed by:

{{ logo.alt }}
Third Space Brooklyn, NY.

Third Space Holdings, Inc. (NPN 22105919). Licensed New York Property & Casualty Broker (BR-1956934) and Excess Line Broker (EX-1956934). Some coverage is placed with excess-line insurers not licensed in New York; such insurers are not subject to New York insurance regulation and protections, including security funds.

© 2026 Third Space Holdings, Inc. All rights reserved.

Third Space

Start your free review

If we don’t think we can save you money, we won’t take your business.

Thank you.

We’ll be in touch shortly to set up your call.
Third Space

It’s a big vision.

The problems facing nightlife are increasingly affecting every physical business. Today we’re the AI-native broker the city never had. But a broker can only do so much. Becoming the carrier ourselves is how we change things for good.

We’re developing a system of active risk management, and putting insurance back together one step at a time, until we can protect all third spaces.

Join us.

We hire carefully. If you’re the best at something, reach out. It’s early and the team is small. We pay top of market, give real ownership, work long weeks, and dream big.