Jen Davey – Page 6 – Hospitality Insurance Group

February 6, 2018by Jen Davey Jen Davey No Comments

January 2018 Liquor Liability Policies

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

Bar/Grille in Beverly, MA
Mono-line Liquor
1000/1000/2000
$1,141,000 total receipts
50% liquor/food
Loss Free/ AA Credit
$10,154

Night Club & Function Hall
Fall River, Mass
Coverage Needed: GL and LL
Limits: GL: 1M/2M and LL: 1M/2M
Total Sales: GL: Club 4500 (Area) and Function Hall 3375 (Area) LL: $107,000
Liquor to Food Sales Ratio: 100%
Endorsements: GL A&B
Discounts Applied:
– Alcohol Awareness Training
Total Premium: GL: $2,355 and LL: $3,896 for a total of $6,251

Lounge in North Carolina
Coverage: Liquor Liability
Limits: 1M/1M/2M
Total Sales: 166,000
Liquor to Food Sales Ratio: 0%
Endorsements: GL A & B, Property Damage
Discounts Applied:
Alcohol Awareness Training
Membership Credit North Carolina Restaurant Lodging Association
Total Premium: $3969

Restaurant in New Haven, CT
Coverage Needed: Liquor Liability
Limits: 1M/1M/2M
Total Sales: $660,000
Liquor to Food Sales Ratio: 16.67%
Endorsements: Additional Insured
Discounts Applied:
– Alcohol Awareness Training – Yes
– Membership Credit (INSERT MEMBERSHIP NAME) No
– Elite Discount Applied No
Total Premium: $ 2,016

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.

January 18, 2018by Jen Davey Jen Davey No Comments

Bar Room Brawls: 3 Assault & Battery Situations That Could Happen At Any Bar

Bar Room Brawls: 3 Assault & Battery Situations That Could Happen At Any Bar

Bar Room Brawls 3 Assault & Battery Situations That Could Happen At Any Bar For any establishment that serves alcoholic beverages, a fight possibly breaking out is always in the back of any owner’s mind.

According to Insurance Magazine, about 30% of losses at bars, taverns, and nightclubs arise from assault and battery claims.

Out of the thousands and thousands of claims filed, here are three situations we’ve worked with our policyholders when an assault and battery occurred at their establishment.

Case #1

A patron alleged that he was repeatedly assaulted while exiting the establishment after the last call.

The policyholder had purchased an assault and battery endorsement as part of their liquor liability policy issued by Hospitality Insurance Group.

The defense attorney, hired by Hospitality to defend the establishment against this plaintiff’s lawsuit, obtained a defense verdict on behalf of the policyholder.

Case #2

This establishment was not the type of bar that you would think would have an altercation of any sort.

A gentleman entered our insured’s establishment and was served a single drink.

During the night, the gentlemen casually conversed with other patrons until he randomly started violently attacking patrons with weapons concealed underneath his sweatshirt.

None of the injured customers could recall any signs that would have forewarned them of the assailant’s violent propensity.

This incident was a sudden and unforeseen violent crime that occurred on the insured’s premise and was covered by the assault and battery endorsement on their liquor liability policy, issued by Hospitality Insurance Group.

Case #3

A patron appeared to have entered our policyholder’s establishment already intoxicated.

While inside, the man was said to have disturbed three different groups of patrons and was later struck by a patron inside the bar, causing him to fall and suffer a head trauma.

This policyholder had purchased an assault and battery endorsement as part of their liquor liability policy issued by Hospitality Insurance Group. The defense attorney, hired by Hospitality to defend the establishment against the plaintiff’s lawsuit, obtained a defense verdict on the policyholder’s behalf.

As also advised by Nightclub & Bar, general liability insurance with assault and battery and liquor liability coverage is usually the best way for restaurant owners to protect themselves in the event of a fight at their business.

When examining your insurance policy, it’s important to ask if you have assault and battery coverage. It’s not uncommon for an insurance carrier to apply a specialized exclusion for assault & battery exposure as we explain in our blog, “Assault & Battery: Where’s the coverage?” Exclusions may occur, and in the event of a bar fight breaking out, a restaurant owner could be denied coverage if an incident like one of these occurs.

Not sure if you have the proper coverage? Hospitality Insurance Group is a liquor liability insurance group writing insurance for bars and taverns in Connecticut, Massachusetts, New Hampshire, North Carolina, Pennsylvania, Rhode Island and Vermont. For more information about how you can work with Hospitality Insurance Group as an Independent Insurance Agent or obtain a quote for liquor liability insurance, click here to request a call from us, email or office visit from one of our local representatives near you.

January 11, 2018by Jen Davey Jen Davey No Comments

December 2017 Liquor Liability Policies

Take a look at some of the policies Hospitality Insurance Group wrote in December 2017 including the type of coverage included, insurance discounts applied and a glimpse at the total insurance premium.

Lawrence, MA
Coverage: LL
Limits: 250/500/500
Total Sales: $265,000 Liquor + $32,000 Food = $297,000
Liquor to Food Sales Ratio: 89%
Endorsements: GL A&B
Discounts Applied: Alcohol Awareness Credit
Total Premium: $6,148

Salem, NH

Coverage: Mono-line Liquor

Limits: 1M/1M/2M

Total Sales: $550,000

Liquor to Food Sales Ratio: 90%

Discounts Applied: Alcohol Awareness Credit + NHLRA

Total Premium: $24,351

Keene, NH

Coverage: GL & Property

Total Sales: $870,000

Liquor to Food Sales Ratio: 89%

Total Premium: $8,453

Concord, NH

Coverage: GL & Property & Liquor

Limits: 1M/1M/2M

Total Sales: $250,000

Liquor to Food Sales Ratio: 30%

Total Premium: $4,997

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.

December 15, 2017by Jen Davey Jen Davey No Comments

Meet Hospitality Insurance Group’s New President And CEO

We are pleased to announce Richard (Dick) E. Welch, Jr. as our new President & CEO. He will assume responsibilities in January 2018 and will succeed John W. Tympanick, who recently announced his retirement after 26 years of service with the company.

Dick brings decades of property and casualty insurance experience to Hospitality Insurance Group. Previously, he was the Vice President of Corporate Planning for The Concord Group of Insurance Companies in Concord, New Hampshire, the Founder and Principal of REW Insurance Consulting Services and President and CEO of the Premier Insurance Company of Massachusetts.

Dick brings with him a strong track record in directing insurance operations and has demonstrated skills in financial management and strategic planning.

“I am excited to be joining a strong team and a quality organization at Hospitality Insurance Group,” says Welch. “I look forward to working together with the HIG team and its agents to continue growing the business by providing superior protection and outstanding service to the hospitality industry.”

Dick is a former member and Chairman of the CAR Actuarial Committee, Massachusetts Property Insurance Underwriting Association and Center for Industrial Mathematics and Statistics at Worcester Polytechnic Institute. He also served on the Board of Directors at Premier Insurance Co of Massachusetts, First Floridian Auto and Home Insurance Company, and First Trenton Indemnity Company. He holds a Bachelor of Arts degree in Economics from Columbia University in New York.

Dick currently lives in Holden, MA with his wife, Lori.

According to Bill McGrail, Chairman of the Board of Hospitality Insurance Group “We are fortunate to have a person
of Dick’s caliber on board and are confident he will bring the company the leadership it will need in the coming
years.”

December 14, 2017by Jen Davey Jen Davey No Comments

November 2017 Liquor Liability Policies

Take a look at some of the policies Hospitality Insurance Group wrote in November 2017 including the type of coverage included, insurance discounts applied and a glimpse at the total insurance premium.

North Carolina
Coverage: GL & LL
Limits: 1M/1M/2M
Total Sales: $3,783,590
Liquor to Food Sales Ratio: 61%
Endorsements: GL A&B, Property Damage
Discounts Applied: Alcohol Awareness Training + Membership Credit
Total Premium: $63,182

Rhode Island

Coverage: Liquor, Optional GL A&B Property Damage

Limits: 1M/1M/2M

Total Sales: $60,000

Liquor to Food Sales Ratio: 100%

Discounts Applied: Alcohol Awareness Training + Membership Credit + Elite Discount

Total Premium: $1,419

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.

November 14, 2017by Jen Davey Jen Davey No Comments

10 Ways To Help Prevent Potential Lawsuits From Your Company Holiday Party

Tis the season for holiday parties, eggnog and late nights. We attend the ugly sweater parties, the family traditions, and most common, attending the annual work party. Many companies spend weeks, even months, planning their holiday party. They plan everything from where the event will take place down to the type of silverware placed on the table. However, one aspect of the event planning people tend to forget is liquor liability insurance.

Most would like to think their guests are mature, responsible adults who know their limit.

During the holidays that thought process tends to escape the mind of most people. 20% of survey respondents in a 2010 survey by Forbes have said they had too much to drink at a holiday party. We see results of this every year on the news of that one person who made the mistake of getting behind the wheel after a holiday party and taking the life of another driver in fatal car accident. Many think the only person responsible for this accident is the driver, but in many cases, attorneys will sue anyone who may have been responsible including the host, owners, event planners, bartenders, and servers.

Issues arising from the company holiday party could be extreme and some could be just plain embarrassing.

Three possible extreme scenarios include:

Your guests get in an automobile accident on the way home, injuring a family of three.
You or one of your guests is injured during the festivities like this scenario in an article by National Public Radio, “At an office party four years ago, a fellow co-worker brought eggnog that contained whiskey, Scotch, as well as bourbon. … It was delicious and the booze was nigh-undetectable. Everyone became incredibly sloshed. … As the night progressed, someone made a makeshift slip-and-slide in the warehouse that was quite fun until the IT guy of the office broke his collarbone going face first and 911 was called. We still talk about this office party to this day.”
Damage to the property from someone allegedly being overserved.

So how do you keep things under control? Here are 10 ways to help prevent a lawsuit from arising from your company holiday party.

Hold your function earlier in the afternoon when people tend to drink less.
There is a reason Fenway park stops serving alcohol after the seventh inning stretch. They are thinking about the safety of their guests and you should too. Stop serving alcohol a few hours before the party is expected to end. Cut off drinks during dinner or dessert to give people a rest from consuming.
Offer Uber gift cards or recommend overnight accommodations to guests.
Offer entertainment like dancing, a photo booth, team games or a comedian so people have something to do other than drink.
Invite families. People are less likely to go a little crazy with the spouse or kids at a company holiday party.
Encourage guests to use transportation such as Uber, Lyft or a taxi to and from the party.
Serve food at the event.
Don’t let people serve themselves, hire a trained staff to serve and monitor guests alcohol consumption.
Make sure bartenders and caterers are TIPS certified.
Only offer beer and wine.

Without liquor liability insurance, you can be held responsible and sued for allowing them to become intoxicated and proceeding to operate a vehicle.

Do you still think liquor liability isn’t a necessity?

Laws regarding liquor licenses and liquor liability coverage vary by state, so it is important to be aware of the laws in your state before planning an event where alcohol is going to be served. 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.

November 11, 2017by Jen Davey Jen Davey No Comments

October 2017 Liquor Liability Policies

Take a look at some of the policies Hospitality Insurance Group wrote in October 2017 including the type of coverage included, insurance discounts applied and a glimpse at the total insurance premium.

Type of Establishment: Restaurant, New Bedford, MA
Coverage Needed: Liquor Liability
Limits: 250/500/500
Total Sales: $400,000 (Liquor) + $400,000 (Food) = $800,000 Total
Liquor to Food Sales Ratio: 50%
Endorsements: None
Discounts Applied:
Alcohol Training Credit
Total Premium: $5,360

Type of Establishment in Harrisville, RI
Coverage Needed: Liquor – Optional GL A&B – Property Damage
Limits: 1M/1M/2M
Total Sales: 989,657
Liquor to Food Sales Ratio:36%
Endorsements: Additional Insured
Discounts Applied:
– Alcohol Awareness Training- Yes
– Elite Discount Applied
Total Premium: $3698

North Carolina
Live Entertainment
Coverage: LL
Limits: 1M/1M/2M
Total Sales: $2,000,000
Liquor to Food Sales Ratio: 45%
Endorsements: GL A&B Property Damage
Discounts Applied: Alcohol Awareness Training + Membership Credit
Total Premium: $6,084

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.

October 19, 2017by Jen Davey Jen Davey No Comments

See How We Work With Our Policyholders

See how Hospitality Insurance Group provided the protection our policyholder needed to remain in business! Just another example of how Hospitality Insurance Group Serves You; Allowing You to Serve Others. Learn more about doing business with us and request a quote for coverage.

October 4, 2017by Jen Davey Jen Davey No Comments

September 2017 Liquor Liability Policies

Take a look at some of the policies Hospitality Insurance Group wrote in September 2017 including the type of coverage included, insurance discounts applied and a glimpse at the total insurance premium.

Wine & Chocolate Tasting One-Day Temporary Event Boston
Limits: GL & LIQ 1M/1M/2M
Bartending Service in NH Mono-Line LIQ
New Venture with prior experience
Limits: 1M/1M/2M
Premium: $1,277

Social Club in Littlestown, PA
Coverage Needed:
Limits: 1M/1M/2M
Total Sales:$745K
Liquor to Food Sales Ratio: 66%
Endorsements: GL A&B Buy back
Discounts Applied:
– Alcohol Awareness Training
– PA Taverns Membership Discount
Total Premium: $9,438

Bar/Tavern in Lawrence, MA
Coverage Needed: Package with Liquor
Limits: CP: Business Personal Property $200,000 with ACV at 80% co-insurance; GL; 1M/2M; LL: 500/1M
Total Sales: $80,000 Liquor + $20,000 Food = $100,000
Liquor to Food Sales Ratio: 80%
Endorsements: LL: GL A&B Endorsement and Property Damage
Discounts Applied: Alcohol Awareness Credit;
Total Premium: $5,752 (CP $2,930 + LL $2,822) = $5,752

September 18, 2017by Jen Davey Jen Davey No Comments

August 2017 Liquor Liability Policies

Take a look at some of the policies Hospitality Insurance Group wrote in August 2017 including the type of coverage included, insurance discounts applied and a glimpse at the total insurance premium.

Irish Pub in Lancaster, PA
Coverage Needed: Liquor Liability
Limits: 1M/1M/2M
Total Sales: $3,750,000
Liquor to Food Sales Ratio: 47%
Endorsements: N/A
Discounts Applied:
– Alcohol Awareness Training
– Membership Credit (PA Taverns Association Membership)
– Elite Discount Applied
Total Premium: $21,484

Bar in Jacksonville, NC
Live Entertainment
Coverage: CP, GL & LL
Limits: 1M/1M/2M
Total Sales: $2,156,000
Liquor to Food Sales Ratio: 40%
Endorsements: GL A & B, Property Damage
Discounts Applied:
Alcohol Awareness Training
ELITE Discount
Membership Credit (North Carolina Restaurant Lodging Association)
Total Premium: $15,672

Bar in Chicopee, MA
Coverage Needed: CP, GL and LL
Limits:
CP: Business Personal Property $100,000 – 80% at Replacement Cost; Business Income $160,000 – 80%; Spoilage $10,000
GL: 1M/1M with $180,000 total sales, 1 Additional Insured and Hired and Non-Owned Auto Liability
LL: 1M/2M with $160,000 liquor sales, 1 Additional Insured
Total Sales: $180,000 Total sales – $160,000 of this total was liquor sales
Liquor to Food Sales Ratio: 89%
Endorsements:
GL: Hired and Non-Owned Auto and Additional Insured
LL: GL A&B, Property Damage, and Additional Insured
Discounts Applied:
LL: Mass Restaurant Association
Total Premium: CP: $1,877; GL: $1,888; LL: $6,131 – Total Package with Liquor: $9,896

Restaurant in Newton Center
Coverage Needed:  Liquor Liability only
Limits: 1M/1M/2M
Total Sales: $2,686,000 total – $1,040,000 of this is liquor only
Liquor to Food Sales Ratio:  39%
Endorsements:  GL A&B, Property Damage and Additional Insured
Discounts Applied:  TIPS (alcohol awareness credit) and Mass Restaurant Association
Total Premium: $10,681