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Hospitality Insurance Group provides liquor liability insurance coverage for restaurant establishments in Massachusetts, Connecticut, New Hampshire, North Carolina, Pennsylvania, Rhode Island and Vermont.

When your business serves or sells liquor, it’s always best to play it safe. At Hospitality Insurance Group (HIG) we seek to provide the best liquor liability insurance coverage possible to protect establishments in what is known to be a high-risk industry.

We offer commercial property, general liability,liquor liability and excess policies to owners of establishments that serve or sell liquor including bars, taverns, restaurants, social clubs and liquor stores, as well as caterers and other qualified businesses. We also offer a Business Owners policy to insure liquor stores, convenience stores and restaurants with or without alcohol sales.

For Independent Insurance Agents looking to sell insurance to their clientele in the restaurant industry, we offer attractive commissions and the ability to reach a largely untapped market.

For bar and restaurant owners, liquor store owners, social clubs, caterers and other business owners with the potential for liquor liability, we offer affordable, comprehensive coverage, with add-ons for assault and battery and property damage.

Now Available

OUR BOP PROGRAM!!!

Our NEW BOP program is now available!

We’ll now be able to compete for your BOP business! For years we’ve had to pass on quoting against BOP programs because of coverage and pricing issues. Those days are gone and we welcome the opportunity to write your BOP business.

In general, our BOP program includes the following classes:

Restaurants, with or without alcohol sales
Package/liquor stores
Convenience stores – no gas
Commercial condominiums
LROs
Many main street retail classes.

Our new agency portal for BOP quoting and referral is up and running. Agents now have quote and referral capability for BOPs and Bop type Liquor Liability. If you haven’t attended one of our training classes yet, or tried the portal, you can view the taped training session on this page in the Agents tab. If your agency has a large commercial lines staff we can set up a personalized training session – just let your marketing contact know.

Future enhancements will include access to other information such as policy documents, billing information and loss runs.

Announcing a NEW Discount for restaurant association members!

Hospitality Ins Group has received approval to offer a 5% discount on our Business Owner Policy (BOP) for restaurant association members in MA, PA, NH, RI, and NC. The discount has been programed in the rating on our agency portal and is available today for MA, RI, PA, and Nh and will be available in NC on June 22, 2023. Be sure to ask your restaurant clients if they are an association member so they can get the 5% discount!

“PAY AS YOU POUR”

OUR NEW EXCLUSIVE FINANCING PROGRAM FOR YOUR LIQUOR LIABILITY CLIENTS

Pay as you Pour is an exclusive financing option offered by Hospitality Insurance Group and First Insurance Funding for liquor liability policyholders. A signed premium finance agreement with First Insurance Funding is required to participate in the program and the business must have a verifiable sales tracking system. Policyholders report actual sales data bi-monthly through the First’s Pay as you Pour portal. Eligible POS system users can have sales data automatically reported for them. This program is now available for new and renewal business.
Some of the highlights of the program include:

A down payment of only 10%
Attractive finance rates
Improved cash flow – payments are based on actual monthly sales
An easy-to-use on-line reporting portal
Easier to renew – no chasing down last year’s sales – we already have it

Watch this video of our Pay as you Pour webinar to learn more about the program.

For more information e-mail Sandra Haley (shaley@hmic.com) or Mark Trombly (mtrombly@hmic.com)

Niche Writer

Does your business serve or sell liquor? We have the coverage you need.

Full menu coverage options all under one roof. Offering CPP, LL, GL and Excess Coverage

Coverage up to full policy limits or sublimit are available with no deductibles.

Pay Your Premium Online

Hospitality Insurance Group is excited to announce that we’ve recently partnered with Xpress-pay, a leading ePayment solution provider, to provide our policyholders with a faster, more convenient way of making premium payments. We’re confident this will be a great addition to the service we provide you!