by admin admin No Comments

Hospitality Insurance Group Commemorates First BOP

Celebrating the first BOP written by Hospitality Insurance Group are Richard Welch (President & CEO, Hospitality Insurance Group); Mark Colantonio (Sales Executive, John M. Glover Insurance); and Sandra Haley (Senior VP of Underwriting & Marketing, Hospitality Insurance Group).

 In response to industry demand, Hospitality Insurance Group developed its Businessowners Policy (BOP) for commercial policyholders. Existing liquor liability policyholders, as well as a variety of other main street businesses, can now take advantage of this insurance product available in Connecticut, Massachusetts, New Hampshire, North Carolina, Pennsylvania, and Rhode Island.
by admin admin No Comments

Pay Online

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!

Hospitality Mutual Insurance Co.

MA Policyholders

Hospitality Insurance Co.


Download ACH Form

Frequently Asked Questions About Our Online Payments

Which link should I use to submit payment?
Hospitality Mutual Insurance Company
For policyholders in Massachusetts.
Hospitality Insurance Company
For policyholders in Rhode Island, Connecticut, New Hampshire, North Carolina, Pennsylvania & Vermont
What payments are accepted?
We now accept payment by Electronic Check, Visa, Mastercard, Discover, and American Express.
Am I able to set up an account to save my payment information?
 Yes, when you make payment, you are asked if you would like to set up an Xpress pay account.  If you check yes, it will allow you to create a password and your credit card or check information will be saved to your account.
Am I able to set up recurring payments?
Yes. Once an Xpress pay account is set up you can also set up recurring payments as well.
What if I don’t have my recent billing statement or have questions about your online payment system?
Please contact our office at 1-877-366-1140.
by admin admin No Comments

Hospitality Insurance Group Launches ‘Pay as You Pour’ Program

New Liquor Liability Financing Will Help Seasonal Businesses with Cash Flow

Hospitality Insurance Group is launching a new program that will give bars, restaurants, and any other eligible liquor liability policyholders more flexibility in how they pay their insurance premiums.

The Pay as You Pour program, offered in partnership with First Insurance Funding, will help businesses improve their cash flow by basing their bimonthly premium payments on how much liquor they sell. Premium payments will be lower when sales are down and, conversely, when sales volume is higher, businesses will be contributing more to premium payments. The program comes as many in the hospitality industry face a winter slowdown in business, particularly amid the ongoing COVID-19 pandemic.

The program was developed to assist our policyholders not only during the COVID-19 pandemic but for those customers who have seasonal businesses and find it challenging to keep up with their payment installments during their slow times.

“This program will alleviate the financial burden that occurs when insureds have slow months and money is tight, when sales are good, they will pay a higher premium and will be in a better position to make those payments.” said Sandra Haley, Senior Vice President of Underwriting and Marketing at Hospitality Insurance Group.

To participate, businesses must make a down payment of 10 percent, which is significantly less than the usual 20 to 25 percent deposits required to finance premiums. The lower down payment will aid businesses short on cash due to the COVID-19 pandemic.

“Especially with the COVID slowdowns, people simply don’t have as much cash in their pocket. It’s a benefit for them to be able to finance the premium with only 10% down.” said Mark Trombly, Marketing Manager at Hospitality Insurance Group.

The program is a permanent financing option that will continue to be available to businesses after the COVID-19 pandemic.

Participating businesses must also have an acceptable sales verification system to upload. For those who participate in the program the renewal process will be effortless since last year’s sales information will already have been recorded as part of the program.

In addition, businesses who have other policies with Hospitality may include those premiums at the same 10% deposit with 26 fixed installments.

The bimonthly premium payments for the liquor liability will be calculated by taking the average liquor liability rate which will then be multiplied by how much a bar, restaurant, or other business sells in liquor each month.

“At the end of the year, it all settles out and they only pay for what they actually sold during the year,” Haley said.

Pay as You Pour is available to Hospitality Insurance Group’s directly appointed agents. Other agents can access the program through the Group’s wholesale partners. Businesses who want to participate should contact their insurance agent.

The opinions expressed are the views of the author alone and should not be attributed to any other individual or entity and shall not constitute a legal opinion.

by admin admin No Comments

Happy Thanksgiving

The year 2020 will go down as the most socially challenging year of our lifetimes.  We’re all looking forward to a better year in 2021 and getting back to spending time with friends and family, attending sporting events and concerts, and enjoying one another’s company at our favorite restaurants and bars.  But before we leave 2020 in the dust, we wanted to thank all of you, our agents and policyholders, for all that you have done to weather the storm and work with us to help business owners as they adapt to the new rules and restrictions they face.  We’re truly thankful for all of you.

Thanksgiving gatherings won’t be the same this year but giving thanks for our many blessings will never go away.  Whichever way you celebrate this year, we wish you a safe and Happy Thanksgiving!

by admin admin No Comments

Times Are Tough – Don’t Miss Out on Discounts!

COVID-19 continues to present financial challenges for business owners. It is more important now than ever to make sure you are getting all the discounts you qualify for. Watch this short video to catch up on all of the discounts we currently offer. We continue to work hard to earn your business and are here to help. Give us a call on new and renewal business!

The opinions expressed are the views of the author alone and should not be attributed to any other individual or entity and shall not constitute a legal opinion.

by admin admin No Comments

Hospitality Insurance Reopening

At Hospitality Insurance Group (HIG), we are pleased to welcome back the many fine establishments throughout our region that are an integral part of our economy. We have been impressed by your professionalism and innovation as you have been asked to refashion your business to respond to this health crisis. In the face of tremendous adversity, you have answered the call to ensure the safety and health of both your patrons and staff.

Throughout this pandemic, HIG has been supporting our members by ensuring that their insurance coverage has adjusted to the changing times. Despite much uncertainty, we want you to know that the insurance coverage and service you have come to expect from HIG remains the same.

We created this video to formally wish all our restaurants well and to remind you that Hospitality will continue to be your trusted insurance partner and advocate no matter the season.

by admin admin No Comments

Protecting Your Business Against Copyright Laws

As businesses begin to reopen and promote themselves online, it is important to make sure that you are following the proper copyright laws and regulations. In the past couple of years, businesses have seen a rise in lawsuits over illegally used photos due to face recognition technology that enables people to search the entire web to see who is using their face or likeness. As President and CEO of Hospitality Insurance, Dick Welch, says, “as the owner of a bar or a restaurant, anything you put on your website, social media, or any of your promotional materials should be legally owned”.

If you hire an outside promoter or an outside social media expert, make sure that they are properly sourcing any materials that they may use, including: photographs, video clips, and any voice overs or music. It is also important to have a contract in place so that if your outside promoters or experts do not follow proper copyright laws, they will be held responsible instead of you or your business. Do not let anything be posted to your website or social media without approval.

Any business that has entertainment and promotes that entertainment through photos or videos could be at risk for copyright infringement. If you haven’t checked your promotional materials in the past, it is possible that you may be using illegal content on your website and social media pages. You should scan your content to make sure you have the ownership and if you don’t, remove it immediately. The last thing you want is a lawsuit over copyright infringement which can be both expensive, as well as time consuming.

If you are worried that your business could be using copyrighted material, the easiest way to deal with it is to contact an independent insurance agent from the Hospitality Insurance Group.

The opinions expressed are the views of the author alone and should not be attributed to any other individual or entity and shall not constitute a legal opinion.

by admin admin No Comments

The Right Time to Look at Assault and Battery Coverage

In these challenging times with the COVID-19 pandemic and the recent rioting, these tense times should have restaurant and bar owners strongly considering the levels of insurance coverage they have. It is important for businesses that sell and serve alcohol, employ bouncers, or have heavy foot traffic to have insurance coverage for assault and battery. As Mark Trombly, vice president of marketing for Hospitality Insurance, describes it, “Assault and battery coverage is a specialized insurance that covers physical harm that someone suffers when they are attacked by another person.”

Hospitality Insurance Group offers coverage as an endorsement with four other coverage limits because some businesses may not want it or some may not need as much coverage as others. This way, you know exactly what you are paying for in your policy. Assault and battery coverage will pay for medical costs, legal fees, and settlement costs when a claim occurs.

While the person who causes the injury is usually responsible for the claim, the bar or restaurant may be held responsible for a number of reasons. They may be responsible due to overservice of alcohol, for asking or forcing a patron to leave the restaurant or bar where injury can occur, or when a staff member sees an incident and does not interfere to stop it from happening. Assault and battery coverage can also cover areas outside of the business such as alleyways, parking lots, and sidewalks.

The best and easiest way to see if your business has the right coverage is to talk to an independent insurance agent who represents Hospitality Insurance Group.

The opinions expressed are the views of the author alone and should not be attributed to any other individual or entity and shall not constitute a legal opinion.

by admin admin 1 Comment

Our COVID-19 Response

Hospitality Insurance Group is aware of the public health concerns of COVID-19 and the impact that governmental restrictions on public gatherings is having on our business partners and policyholders.  We are temporarily adjusting our business practices to reduce the financial impact of these restrictions and have listed the changes below.  

  • Billing Invoice Extensions – We will extend the due dates for all premium invoices by 60 (sixty) days from their original due date for all policies currently in-force or placed with us by May 15th, 2020.  If an invoice was issued prior to March 16, 2020, the policyholder will be given an additional 60 (sixty) days from the date listed on the invoice to make payment. If an invoice is issued after March 16, 2020, the adjusted date will be reflected on the invoice. 
  • Non-Pay Cancellations – Effective March 16, 2020, we will not generate any cancellation notices due to non-payment of premium until May 15, 2020.  This will give policyholders an additional 60 (sixty) days to make a payment before a cancellation notice is generated. If a non-payment cancellation notice was generated prior to March 16, 2020 (prior to the governmental actions) the payment will be required by the date listed on that non-payment notice to avoid cancellation.

Working with our staff

Our staff is available to assist you and prepared to work remotely if needed.  We will have all telephones transferred to employee cell phones to avoid communication interruptions.  We are prepared to continue business as usual during these unusual times. 

We have suspended all face to face agency meetings until further notice.  Any previously scheduled meetings will be rescheduled or changed to a teleconference.  You will be contacted by your Underwriter or Marketing Representative regarding changes. 

Please keep in mind that this is a very fluid situation and we will continue to monitor the situation and adjust our practices accordingly going forward.  The practices above are in-place for thirty days and we will reevaluate at that time.  

Please check our website regularly to stay updated on any future changes. 

We appreciate your assistance and cooperation in these trying times.

Richard Welch

President & CEO