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Author: Hospitality Insurance

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Meet Our Commercial Lines Territory Manager, Bryon Hutter!

This month, we welcomed Bryon to Hospitality Insurance Group as our new Commercial Lines Territory Manager based at our headquarters in Southborough, Massachusetts.  Get to know Bryon in our latest Q&A interview below.

 

What is your full name?

Bryon Hutter

 

When is your birthday?

02/03

 

Where do you live?

Ashland, MA

 

Tell us a little bit about your background.

I’ve worked in the insurance industry for over 20 years (time flies!) My insurance career began in the mailroom at Liberty Mutual in NJ during college and progressed into various claims and underwriting roles over the years. My most recent experience includes senior field underwriting positions at Nationwide Insurance and Utica National.

 

What brought you to Hospitality Insurance Group?

I’m a foodie at heart and really like socializing over good food and drinks with friends and family. I’ve enjoyed working hospitality accounts over my years as a generalist underwriter and have always wanted to work more of this business. I was intrigued by the opportunity to join HIG and very impressed by the leadership vision for the future. We are going to do great things together!

 

Do you hold any industry certifications?

My CPCU is in progress.

 

Since we’re in the hospitality business, what is your favorite drink of choice to order when out with friends? (cocktail, beer, wine, etc.)

This is an easy question for me! My favorite spirits are Campari and Gin; so it will have to be a Negroni.

 

What is your favorite restaurant in your area?

With the closing of Blue Ginger, Bocado in Wellesley has quickly become a new favorite. Each meal is like an adventure and it doesn’t hurt that they also make a great variation of the Negroni!

 

What do you enjoy doing most in your spare time?

My 2 kids, wife and I enjoy exploring — we’ve been on road trips throughout the East coast and take lots of local weekend “adventures” to museums, beaches, and parks.

If you could go to any Boston sporting event, what would it be? (Boston Bruins, Red Sox, Patriots, Celtics)

Being a long time Penguins fan I always look forward to a Pens Bruins matchup. I have some great memories of Mario Lemieux and Ray Bourque playing on the ice together.

 

Tell us something that makes you unique or something wacky, yet interesting about you?

Besides making animal balloons for my kids and their friends, I really have a passion for cooking; Braised short ribs, chicken piccata and Asparagus wrapped in spinach crepes with béchamel sauce are the real crowd pleasers.

 

How can people reach you?

 

Bryon T. Hutter

New England Territory Manager

Direct: 774.512.9253 | Cell: 508.335.6655

bhutter@hmic.com

by Hospitality Insurance Hospitality Insurance No Comments

Winterproof Your Workplace

How to winterproof your workplace to avoid slip and fall insurance claims against your business during the winter months.

  • Keep parking lots cleared of snow and ice, including sidewalks; have a snow & ice removal and salting schedule in place.
  • Clear roofs from heavy snow to prevent ice dams and collapses.
  • Ensure that building overhangs, roof edges, and canopies are cleared of snow and ice build-up to prevent potential injuries from falling ice and icicles.
  • Be sure that snow is promptly cleared from the following additional areas: hydrants, stairways,  ramps, entrances, emergency exits, driveways, heating & ventilation equipment.
  • If you are utilizing an outside contractor for snow removal be sure to have a written contract which clearly outlines the contractor’s responsibilities and holds you harmless if someone slips and falls.
  • Make sure heating is provided in uninsulated or vacant spaces.
  • Thermostats should be set at 55 degrees Fahrenheit or higher to prevent freezing pipes.
  • Space heaters should be PROHIBITED due to the risk of fire.

Download a PDF of this list to place at your business here.

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September 2018 Liquor Liability Insurance Policies

Take a look at some of the liquor liability insurance policies Hospitality Insurance Group wrote in September 2018 including the type of coverage included, insurance discounts applied and a glimpse at the total insurance premium.

  • Restaurant
  • Springfield, MA
  • CP $151,000 BPP and $370,000 BI; GL:  1M/2M; LL:  1M/2M
  • $881,334
  • 39%
  • Hired and Non-Owned Auto and AI on GL; GL A&B and PD on LL
    • Alcohol Awareness Training
    • Member of Restaurant Association
    • Elite Discount
  • $9,359 Total; CP: $1,862; GL:  $2,436; LL:  $3,562; EL:  $1,499

 

 

  • Bar
  • Greenville, NC
  • $1M/$1M/$2M
  • $1.1M
  • 84.6%
  • No
    • Alcohol Awareness Training
    • Member of Restaurant Association
  • $13,200 (LL)

 

If you are an Independent Insurance Agent, click here to learn more about working with Hospitality Insurance Group to provide liquor liability insurance to your customers.

If you are a business owner looking for liquor liability insurance coverage, click here to contact one of our preferred Independent Insurance Agents or find answers to some of your frequently asked questions about our insurance coverage here.

by Hospitality Insurance Hospitality Insurance No Comments

August 2018 Liquor Liability Insurance Policies

Take a look at some of the liquor liability insurance policies Hospitality Insurance Group wrote in August 2018 including the type of coverage included, insurance discounts applied and a glimpse at the total insurance premium.

  • Restaurant
  • Cumberland RI
  • 250,000 per person /$500,000 Per Occ/$500,000 Agg
  • $250,000
  • 40%
  • Optional GL A&B
    • Alcohol Awareness Training
  • $1,199.00

 

  • Type of Establishment: Restaurant
  • Orwigsburg, PA
  • 1,000,000/1,000,000/2,000,000
  • 254,138
  • 41%
  • GL A&B
    • Alcohol Awareness Training
    • Elite Discount
  • $6,458

 

  • Bar
  • Charlotte, North Carolina
  • $1M/$2M
  • $1,901,233
  • 100%
  • GL A&B, Property Damage
    • Alcohol Awareness Training
    • Member of Restaurant Association
  • GL – $26,899  LL- $60,583

 

If you are an Independent Insurance Agent, click here to learn more about working with Hospitality Insurance Group to provide liquor liability insurance to your customers.

If you are a business owner looking for liquor liability insurance coverage, click here to contact one of our preferred Independent Insurance Agents or find answers to some of your frequently asked questions about our insurance coverage here.

by Hospitality Insurance Hospitality Insurance No Comments

Meet Our Administrative Assistant, Christine!

In August, we welcomed Christine to Hospitality Insurance Group as an Administrative Assistant at our headquarters in Southborough, Massachusetts.  Get to know Christine in our latest Q&A interview below.

What is your full name?

Christine

 

Where do you live?

Sutton MA.

 

Tell us a little bit about your background.

Retired from the Massachusetts Department of Correction after 32 years of service. Began my career as a Correction Officer at the women’s facility in MCI Framingham and transferred to North Central Correctional Institution in Gardner MA. which is a male facility. During my tenure with the DOC I held numerous positions to include investigator and ascended to the rank of Superintendent.

Since we’re in the hospitality business, what is your favorite drink of choice to order when out with friends? (cocktail, beer, wine, etc.)

DiSaronno on the rocks.

 

What is your favorite restaurant in your area?

Mare Y Monte in Worcester

 

What do you enjoy doing most in your spare time?

Golf and anything outdoors, Working out at the gym.

 

If you could go to any Boston sporting event, what would it be? (Boston Bruins, Red Sox, Patriots, Celtics)

Patriots

 

Tell us something that makes you unique or something wacky, yet interesting about you? I enjoy riding a motorcycle.

 

How can people contact you? 

Christine Verdini
Administrative Assistant
Hospitality Insurance Group
Office: 774-512-9258
Cverdini@hmic.com

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Excess Liability – Expanded Guidelines and Reduced Pricing

Excess Liability – Expanded Guidelines and Reduced Pricing

Hospitality Insurance Group’s new expanded guidelines and reduced pricing for independent insurance agents who write an excess liability policy are effective immediately!

When writing an excess liability policy with us in the past we required that the Liquor Liability and General Liability coverages be written with us. Our new expanded guidelines allow you to also write an Excess Liability policy with us when we write the Liquor Liability and the General Liability is written as part of a BOP with an A. M. Best A rated or better carrier. This should provide you with additional opportunities to write Excess Liability policies with us.

We have also REDUCED minimum premiums on our excess policies. The $1MM Excess minimum premium has been reduced to $750 from $1,000 and $2MM minimum premiums have been reduced to $500 from $750.

Thank you for your business and continued support.

Be sure to sign up for our email list here to be notified of more changes and new products as we continue to expand our offerings to earn more of your business.

by Hospitality Insurance Hospitality Insurance No Comments

July 2018 Liquor Liability Insurance Policies

Take a look at some of the liquor liability insurance policies Hospitality Insurance Group wrote in July 2018 including the type of coverage included, insurance discounts applied and a glimpse at the total insurance premium.

 

  • Tavern
  • Bethlehem, PA
  • 1,000,000/1,000,000/2,000,000
  • $527,000
  • 62% Liquor
  • GL A&B
    • Alcohol Awareness Training
    • Member of Restaurant Association
  • $14,074

 

  • Social Club
  • New Haven, CT
  • 500,000 Per Person /$1,000,000 Per Occ/$1,000,000 Agg Limit
  • $120,000
  • 41%
  • Optional A&B
    • Alcohol Awareness Training
  • $919.00

 

 

  • Restaurant
  • Bedford, NH
  • 1M/1M/2M
  • 3,500,000
  • 21
  • None
    • Alcohol Awareness Training
    • Member of Restaurant Association
  • $5,922

 

 

If you are an Independent Insurance Agent, click here to learn more about working with Hospitality Insurance Group to provide liquor liability insurance to your customers.

If you are a business owner looking for liquor liability insurance coverage, click here to contact one of our preferred Independent Insurance Agents or find answers to some of your frequently asked questions about our insurance coverage here.

by Hospitality Insurance Hospitality Insurance No Comments

June 2018 Liquor Liability Insurance Policies

June 2018 Liquor Liability Insurance Policies

Take a look at some of the liquor liability insurance policies Hospitality Insurance Group wrote in June 2018 including the type of coverage included, insurance discounts applied and a glimpse at the total insurance premium.

  • Private Bar
  • Wake Forest, NC
  • $1M/$2M
  • 144,000
  • 100%
  • GL A & B, Property Damage
    • Alcohol Awareness Training
    • Member of Restaurant Association
  • $4641 (LL – $2584 , GL – $825, CP – $1222)

 

 

  • Social Club
  • Pawtucket, RI
  • $1,000,000 pp/1,000,000 per occ/2,000,000 Agg
  • $40,000
  • 80%
  • Optional GL A&B
    • Alcohol Awareness Training
  • $1032

 

 

  • Wine Bar
  • North Andover, MA
  • $1000000
  • 318912
  • 71%
  • N/A
    • Alcohol Awareness Training
    • Member of Restaurant Association
  • $6876

 

If you are an Independent Insurance Agent, click here to learn more about working with Hospitality Insurance Group to provide liquor liability insurance to your customers.

If you are a business owner looking for liquor liability insurance coverage, click here to contact one of our preferred Independent Insurance Agents or find answers to some of your frequently asked questions about our insurance coverage here.

by Hospitality Insurance Hospitality Insurance No Comments

Agent Update: Verification Of Restaurant Sales

How To Verify Restaurant Sales With Hospitality Insurance Group

 

We are pleased to announce the following changes to our current audit procedures to simplify our liquor liability insurance renewal and new hospitality insurance submissions, increase the accuracy of pricing, and eliminate the unpopular audit process.

Our current process requires two steps, one for completing the renewal application and a request for the insured to complete a self-audit. Over the years this process has been confusing to policyholders and compliance on self-audits has been very low.

Billing additional premium for an expired policy term is confusing and upsetting to insureds. To enhance our ease of doing business we are combining these steps into a new one-step process described below.

Effective October 1, 2018, we will discontinue the practice of sending self-liquor-audit requests to policyholders. Sales verification information of the restaurant (see options to choose from) will now be submitted with new and renewal business applications and will provide us with the ability to accurately price business on the new or renewal date for the upcoming policy period with no further action required.

Verification will eliminate the need to process audit premium invoices for additional and return premiums as we’ll only look to make policy sales figure changes prospectively.

To provide you with additional time to gather the sales verification information, we will be increasing the lead time for receiving your agency’s policy expiration list from 60 days to 90 days.

You may find a listing of the options for sales verification below.

For new restaurant ventures, we’ll accept a pro forma business plan with estimates for sales and base our quotes on that estimate. You may review sales transactions after six months and endorse the policy to reduce/increase sales based on actual supported sales results.

Sales verification is a critical item in developing and maintaining a competitive rate structure, and we appreciate the input we received from many of you while we were developing this new process.

Thank you in advance for your help in making this a more efficient and policyholder friendly experience.

*Sales Verification Documentation Options

  • Print out of the insured’s POS system for the past 12 months
  • MassTaxConnect – Mass online Sales Tax form for the past 12 months (Massachusetts Only)
  • Accounting statement for the past 12 months (signed by a licensed accountant)
  • Pro Forma business plan (new ventures only)

You can find the new liquor liability application form here and the renewal application here.

Disclaimer: While we intend to replace the majority of premium audits with this new procedure, Liquor Liability policies remain auditable, and the company reserves the right to audit any insurance policy.

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