Liquor Liability

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Insuring The Liquor Business

Insuring The Liquor Business

Name: Richard (Dick) Welch

Title: President and CEO, Hospitality Insurance Group

Age: 57

Experience: 30 Years

For the last three decades, Richard Welch has held a variety of roles in the insurance industry in Massachusetts and Connecticut. He spent most of his career at Travelers Insurance where he worked for 25 years, eventually rising to president and CEO of The Premiere Insurance Co. of Massachusetts, a subsidiary of Travelers. After Travelers, Welch spent a few years as an independent consultant before joining Concord Mutual Insurance Co., where he was vice president of corporate planning. Now, the Watertown, Connecticut native is the CEO of the Hospitality Insurance Group, which has offices in Southborough, Massachusetts, and Plantsville, Connecticut. The company, which recently celebrated its 10th anniversary, began strictly as a joint underwriting authority that sold liability insurance to entities that have liquor licenses. It then expanded its model and now sells to a variety of different kinds of insurance in other states.

Q: How did you get into the insurance business?

A: I was working for a company in another industry, which wasn’t doing very well, and I didn’t think the prospects for long-term employment there were great. So, I looked at the insurance industry. When I first interviewed with Travelers, it seemed like a great fit. They made me an offer and I spent a few years in Hartford before they transferred me to Massachusetts to manage the personal lines insurance business in the state. I became president and CEO of Travelers of Massachusetts, leading a $350 million personal lines insurance company, where we enjoyed a great deal of success, returning over $500 million in profits during my tenure.

How I ended up at Hospitality: The company’s president decided to retire last year, and the company was searching for a new CEO. I have a good relationship with a few of the board members at Hospitality, one of whom approached me about the opportunity. I liked what I heard and came on board earlier this year. It’s a great company and we have big plans!

Q: What are the challenges for insuring liquor licenses and insurance?

A: One of the biggest challenges for any business which sells liquor and holds a liquor license is to minimize their exposure and risk. Bars and restaurants encounter significant exposure if they inadvertently over-serve a customer. The potential results of such actions can lead to automobile accidents, injuries or fatalities. It’s essential for bars, restaurants and package stores to carry the appropriate amount of liquor liability insurance. As bars and restaurants are small businesses, few can afford to fund large liabilities, which could run into the hundreds of thousands of dollars for a single incident.

From the insurance company’s viewpoint, the key challenge relates to underwriting and managing claims. What are the annual sales figures? What is the company’s history? Company history is important for us to understand in assessing whether we can write a policy for an individual business.

The other consideration is for us to counsel our clients on how to reduce risk of exposure to loss, so that there are fewer bad situations and if there is one, to be certain that clients don’t do anything to make a bad situation worse. When lawsuits are filed against bars and restaurants, they are often frivolous. We work with our clients to educate them through loss control how to deal with those frivolous lawsuits.

Loss control is beneficial for bars, package stores and restaurants because it keeps our costs down, which allows us to charge our customers less. We are a mutual company, which means we are owned by policyholders. Everything we do is ultimately in their collective interest.

Q: Has the cost of liquor licenses changed?

A: The cost of licenses is regulated by communities and changes from place to place, and there hasn’t been a significant change in the cost for a restaurant or bar to obtain a license to sell alcohol. As far as the cost to obtain liability coverage, that is dependent in large part on the customer’s history – a mixture of frequency of claims and risk factors.

Hospitality Insurance Group is a niche writer within the insurance business. While there are standard insurance companies that will write liquor liability policies for restaurants, the number of agencies who will write similar policies for bars or taverns is much less. It’s a risky line of business unless you really know the specifics of this type of insurance. Our expertise translates into knowing how to assess risk, how to handle insurance claims and how to help keep costs down for the customer.

Q: What is the different between this type of insurance in Connecticut versus Massachusetts?

A: The potential liability of establishments that serve liquor is defined by something called “Dram Shop Laws.” Connecticut’s Dram Shop Law is somewhat unique in that it limits the liability to $250,000 for any single incident except in a case of the reckless service of alcohol. This limit helps keep insurance more affordable for Connecticut bars and restaurants.

Welch’s Five Favorite Writers:

  1. Jon Krakauer
  2. Michael Lewis
  3. Charles Mann
  4. Nassim Nicholas Taleb
  5. Levitt & Dubner
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Sangrias & Swim-Up Bars

Liquor Liability For Swim Up BarsAs the sun gets hotter, many will soak up the sun, swim up to a bar and reach for a cold drink, like Sangria to keep cool.
Swim-up bars are not just something you find on the islands — they exist right here in New England.
But, have you ever considered the risks the restaurant/bar owner takes on serving alcohol at a pool or beach bar?
Serving alcohol at a pool or beach bar opens you up to risks, such as stepping on glass, drowning, or underage drinking.
In this claim filed in Massachusetts, a man suffered serious nerve damage to his foot after stepping on broken glass in the pool from a beer bottle served at the poolside bar.
Also, alcohol will not only dehydrate your guests, but can impair senses, alter their sense of distance, and cause feelings of disorientation and confusion, while they are in the water.
The Centers for Disease Control and Prevention says that “alcohol use is involved in up to half of adolescent and adult deaths associated with water recreation.” 
If you have a poolside bar or are considering opening one, then we recommend mapping out a plan in advance before an accident occurs.
From an insurance perspective, some of the things we immediately think of include:
Should you have a waiver of liability at the entrance signed by all that enter?
Are you allowing kids around the premises? What if something happens to the child while their chaperone was intoxicated? Is it the lifeguard’s responsibility? What if a lifeguard was reckless?
Where do you draw the line in the sand once someone leaves your establishment and goes on to the beach?
Will you have lifeguards on site?
To help mitigate the risk involved with a swim up or poolside bar, we recommend:
  1. Serving ice water, or having a water station available for guests to re-hydrate at their convenience.
  2.  Serving beverages in plastic cups.
  3. Making sure that there are signs that say “no glass allowed” around the area.
  4.  Not allowing lifeguards to use their phones during work hours so their full attention can be on guests at the pool.
  5. Requiring a government-issued photo identification.
  6. Distributing wristbands.
With the 4th of July just around the corner, learn more about summertime safety in our blog “6 Tips For A Safe 4th Of July Weekend.”
Please be advised that 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.
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How Much Will Liquor Liability Insurance Cost For A Temporary Event?

Wine & chocolate tastings, Bar Mitzvahs, and weddings are just a few examples of “temporary” events where we write their liquor liability insurance. But one of the most frequently asked questions we receive is, “How Much Will Liquor Liability Insurance Cost For A Temporary Event?”

A temporary event is considered a single, multi-day event that could be a wedding, cocktail party, catering off-site, or special occasion that involves serving liquor.

In addition to offering establishments an ongoing liquor liability insurance policy, Hospitality Insurance Group offers temporary event liquor liability insurance and general liability for smaller events to give you the peace of mind that comes from knowing that you’re protected from unexpected claims.

Examples of some of the temporary events we’ve written include:

Wine & Chocolate Tasting

One-Day Temporary Event
Boston, Massachusetts
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

 

Bar Mitzvah

Special Event
Washington Crossing, Pennsylvania
Liquor Liability
Limits 1M/1M/2M
Number of Attendees: 70
Total Premium: $416

One of the most frequently asked questions we receive here at Hospitality Insurance Group is, how much does it cost?

Our answer, “it depends.”
For temporary event insurance coverage, Hospitality Insurance Group has five different options with various limits available up to $1Million dollars available.

Our policy amounts range from $125 – $416.

Please note that the rate ranges above shall apply for each day or fraction of a day for which the Insured shall serve or sell alcoholic beverages.

Looking to request coverage for a temporary event?

You can click here to contact one of our preferred partners to request coverage and be sure to include:

• Your name and address, and a description of your business
• A detailed description of the event, including the date, time and duration
• Location of event
• Expected number and age range of attendees
• Whether liquor will be served or sold and whether it’s free of charge or available for purchase
• Types of entertainment to be provided (live band, DJ, dancers, etc.)
• Names of entities requiring coverage as additional insureds
• Estimated liquor sales receipts

Or you can contact your local Independent Insurance Agent and advise them to fill out our  Temporary Event Application for coverage here.

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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:

  1. Your guests get in an automobile accident on the way home, injuring a family of three.
  2. 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.”
  3. 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.

  1. Hold your function earlier in the afternoon when people tend to drink less.
  2. 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.
  3. Offer Uber gift cards or recommend overnight accommodations to guests.
  4. Offer entertainment like dancing, a photo booth, team games or a comedian so people have something to do other than drink.
  5. Invite families. People are less likely to go a little crazy with the spouse or kids at a company holiday party.
  6. Encourage guests to use transportation such as Uber, Lyft or a taxi to and from the party.
  7. Serve food at the event.
  8. Don’t let people serve themselves, hire a trained staff to serve and monitor guests alcohol consumption.
  9. Make sure bartenders and caterers are TIPS certified.
  10. 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.

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Why Bars Should Keep Surveillance Footage For Insurance Claims

Why Bars Should Keep Surveillance Footage For Insurance Claims

Why Your Bar Should Have Surveillance (Even If You Don’t Have Thousands Of Dollars To Spend)

Every bar owner wants to prevent a liquor liability claim from occurring which is why having surveillance footage is invaluable should an incident be alleged.

Fights, theft, and vandalism are all unfortunate responsibilities of a restaurant owner. In addition to security and staff training,  having a surveillance system installed is one thing that can protect you from a possible lawsuit that could potentially shut down your entire operation.

Many will agree that when surveillance is installed and noticeable by patrons, behavior amongst patrons tends to change. Some cities have even passed ordinances that require new alcohol licensees to install surveillance cameras before the restaurant can officially open for business.

At Hospitality Insurance Group, once a claim is filed, one of the first questions our Claims Examiner will ask is if there is any surveillance footage on the date of the incident. So if the inevitable does happen, having proper surveillance footage can make your life, and your insurer’s life, a lot easier.

We even send a claim acknowledgment letter to policyholders once a claim is reported instructing them to preserve tapes and other evidence relating to the case because around 70% – 75% of policyholders do not preserve their tapes.

If something happens at the bar, the insured should review and safeguard the tape until the statute of limitations runs out, which is usually around three years.

But what happens if you’re a small operation? One common objection we hear from our bar and restaurant policyholders is, “My restaurant is tiny! I don’t have that kind of money to spend on surveillance!”

You’re in luck.

Thanks to the wonderful world of online shopping, surveillance footage is even easier and more affordable than ever.  We took a look at Amazon.com and found surveillance equipment, many of which can be monitored right from your smartphone.

If you’re looking for something affordable, we found this Hiseeu Wireless Network security camera has 4 out of 5 stars on Amazon for only $35.

We also found AMCREST Video Security System with Eight Weatherproof Cameras for only $399.

Whichever system that you may find is the best fit for your bar, restaurants and bar owners should take note of the loop setting as some systems preserve footage for 5 days, 7 days or 30-day loop prior to footage being taped over.

Fights, theft, and vandalism are all unfortunate responsibilities of a business owner. In addition to security and staff training,  having a surveillance system installed is one thing that can protect you from a possible lawsuit that could potentially shut down your entire operation.

  1. Some cities have passed ordinances that require new alcohol licensees to install surveillance cameras before the establishment can officially open for business.
  2. Be sure to preserve surveillance tapes for at least three years and store the footage on a thumb drive, hard drive or back up to the cloud.
  3. Even if you’re a small operation, there are various surveillance systems on Amazon starting at $35 that would help keep you from going out of business!

Roughly 75% of our policyholders do not preserve their surveillance tapes after the claim has been reported to our team. Failure to save video can increase the payout of a claim up to $200,000 per claim.

IF something happens at your establishment, you should review and safeguard the surveillance tapes until the statute of limitations runs out, which is usually around three years.

IF you are aware of any incidents such as the police were called, a fight happened in the establishment, or a drunk driving incident  – these are situations where we look to you to provide us that surveillance footage during the claims process.

We recommend testing your surveillance system regularly to ensure that your system is functioning and working correctly.

Surveillance footage is evidence. Policyholders can face harsh penalties if evidence is lost, destroyed or erased following an incident.

Download our “What You Need To Know About Keeping Your Surveillance Footage For Insurance Claims Against Your Business” flyer here.

Please be advised that the views expressed are of the author alone and shall not constitute a legal opinion.

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You Accidentally Served A Minor, Now What?

You Accidentally Served A Minor, Now What?

 In the United States, it is illegal to serve alcohol to someone under the age of 21.  But what if you asked for identification and were provided with a fake id without knowing?

Steps to take upon discovery:

  • Ask the person to leave.
  • Ensure management is notified immediately.
  • Document the incident and include the person’s information (if it’s available) 
  • Call your independent insurance agency or insurance company.

 While every situation is different, consequences can be severe. If found to be in violation of the law, the establishment’s liquor license could be suspended, modified or revoked.  

Here are a few questions we ask our policyholders when a situation like this is reported that may be useful to include in your internal documentation. 

  1.  Did you ask for proper identification upon entry?
  2. Had the person already consumed alcohol prior to entry?
  3. How many drinks was the minor served at your bar?
  4. How long was the minor in the bar?
  5. What kind of behavior did the minor display at the establishment?
  6. Is there surveillance of the minor at the bar? 

To encourage Hospitality Insurance Group policyholders to provide their staff with effective alcohol-awareness training, we have an approved rate discount of 10% for insureds when 100% of management and at least 75% of non-management alcoholic beverage servers obtain certification in an approved alcohol-awareness program. 

 Learn more about our approved training programs or click here to learn about working with Hospitality Insurance Group. 

 Please be advised that 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.

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Liquor Liability Insurance Now Mandatory in Rhode Island

Liquor Liability Insurance Now A Mandatory Law in Rhode Island

Effective August 1, 2017

Do you insure liquor stores, restaurants or bars situated in the State of Rhode Island?

Effective August 1st, liquor liability insurance in the state of Rhode Island will become mandatory.

The Rhode Island House and Senate recently passed legislation that will require any applicant or holder of a liquor license to maintain liquor liability and commercial general liability insurance as a condition of renewing a liquor license or applying for a new liquor license. Insurance coverage shall be no less than $300,000.

Obtaining Liquor Liability Insurance Coverage In Rhode Island 

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 or fill out this form to request more information.

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

 

Are you a member of the Rhode Island Hospitality Association? RIHA members receive 20% off with Hospitality Insurance Group!

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Liquor Liability Insurance For Weddings

The most memorable day of your life has arrived. The flowers, the dress, the guest list, with so many facets of planning, it’s important not to forget about the one small often overlooked item that many don’t think about – obtaining liquor liability insurance coverage for your wedding.

Temporary event liquor liability insurance is necessary if you are catering your wedding yourself or if the venue or catering company does not have liquor liability coverage.

According to The Knot’s 2016 Wedding Study, the national average cost of a wedding is $35,329.

With a hefty price tag like that, more and more couples are looking to save on the wedding venue costs by hosting their wedding outside in public parks.

A wedding wine station, a bucket of beers, with so many creative Pinterest wedding ideas for serving alcohol, it’s important to remember that you take on the added responsibility of your guests when serving alcohol at your temporary event.

Bride’s and groom’s to be may purchase a “temporary event” or one-time liquor liability insurance policy to cover them for any potential charges that may stem from alcohol consumption at a special event that they are hosting.

There are two factors in the cost of obtaining liquor liability insurance coverage for your wedding.

  • The insurance premium cost is based on the number of people that will be in attendance
  • How long the event will last

At Hospitality Insurance Group, factors such as the type of alcohol served or whether or not your wedding has a cash bar does not affect the premium cost.  

In addition to liquor liability insurance coverage for your wedding, we also recommend reminding guests not to drink and drive by placing various signage that encourages your guests to download an app like Uber to get home.

Since summer tends to be one of the biggest times of the year for weddings, and also the hottest, it’s also a good idea to provide water bottles in a bucket of ice for guests to stay hydrated. A good rule of thumb is for each alcoholic beverage a guest has, they should have one glass of water as mentioned in our 4th of July blog here.

Not sure if obtaining a policy is right for you? Check with your local venue or catering company, or contact your local insurance agent to find out if Hospitality Insurance Group coverage is right for your wedding day.

Learn more about temporary event coverage or click here to obtain a liquor liability insurance quote for your wedding from one of our Premium Partners.

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Agent Update: New & Renewed Business

You asked, we listened! Effective March 15, 2017, Hospitality Insurance Group will be sending invoices on new and renewal business. Many of our agency partners requested that policies be mailed out upon binding with invoices enclosed in order to make it easier for payment to be remitted to us.

Effective March 15, 2017, Hospitality Insurance Group will be sending invoices on new and renewal business. Many of our agency partners requested that policies be mailed out upon binding with invoices enclosed in order to make it easier for payment to be remitted to us.

Many of our agency partners requested that policies be mailed out upon binding with invoices enclosed in order to make it easier for payment to be remitted to us.

What does this actually mean to our agency partners?

We will no longer be holding new and renewal policies for payments to arrive. Once we receive the bind order and PROOF of payment, we will be mailing our agents the policies along with the invoices. We ask that when you remit payment to us that you enclose the invoice so that we can appropriately match the funds to the correct account.

Endorsements will still be emailed electronically to your agency. The endorsement Additional Premium or Return Premium will be reflected on the last page of the revised declaration page sent to your agency and WILL not be accompanied by an invoice. There is no change to the endorsement processing from what currently exists.

We hope that you will be pleased with this new procedure!

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How New Restaurant Trends Have Affected Liquor Liability Insurance

How New Restaurant Trends Have Affected Liquor Liability Insurance 

Drinking games at bars, BYOB, happy hour, and more. As we celebrate the 25th anniversary of our CEO John Tympanick, John looks back at the last 25 years in business and how new restaurant trends have affected liquor liability insurance.

25 employees, 6 states, over 440 Massachusetts agents, and 1000+ agents across Connecticut, New Hampshire, North Carolina, Pennsylvania, Rhode Island and Vermont. John Tympanick looks back at the last 25 years as Hospitality Insurance Group’s CEO and discusses the restaurant industry trends and changes he has seen over the years that have had an impact on insurance policies.

A lot has evolved over the last 25 years. Take a look at some of the trends we’ve seen in the industry over the years and how in fact it has affected insurance policies of businesses that serve alcohol.   

Ditching The Suit & Tie

More and more companies are looking to promote a laid back workplace and offer beer on Friday’s. What many employers and HR departments don’t understand is they need liability insurance for something like that. What happens when an employee has had too much to drink, and they get in the car, and the unnecessary happens?   

BYOB

Under Massachusetts law, restaurants with 30 seats or fewer, dine-in service, or who already have existing liquor liability insurance are unable to offer “BYOB” allowing a patron to bring in their own alcohol onto their premises.

However, Massachusetts restaurants without an existing liquor license, on the other hand, may or may not be allowed to obtain BYOB licenses depending on the municipality in which they are located.

While BYOB may seem like a great alternative to restaurants that can’t obtain liquor licenses, Tympanick advises that there is still a risk involved.

“A lot of people think by letting someone BYOB; there isn’t a liability. But what happens when someone comes in with their bottle, already intoxicated, and leaves your restaurant? We think there is definitely an exposure there for the restaurant.”

A waitress in Somerville also reacted to the BYOB concept in a blog by Thrillist stating: “I wouldn’t want to work at a BYOB because it makes policing intoxicated customers and preventing over-serving difficult, “but it does shift [some] responsibility away from the server and the restaurant.”

Alcohol In Supermarkets

Remember when alcohol became available in supermarkets like Stop & Shop back in 2006?  Current laws in Massachusetts only permit a maximum of 3 liquor licenses per corporation in the state. This is why you see alcohol available in some grocery stores but not others. We do think that in the next 25 years, Massachusetts will reconsider and make more licenses available to corporations as mentioned in an article here from 2011.

Cork It

Another trend we’ve seen in the last 25 years is charging a “cork fee” where the customer brings the liquor to the restaurant, and they charge you a bottle fee. Although this may help a restaurant save on costs and space for inventory, does having a cork fee increase the liability for a restaurant because they are now charging? We believe either way there is a liability, but ultimately it’s a judge’s decision.

Sunday Funday

Possibly because of the economy, the state has become more lenient on “Blue Laws.” Back in 2003, residents of Massachusetts were not allowed to purchase alcohol on Sundays. Then in 2014, Massachusetts altered its “Blue Laws’’ to allow for retail liquor stores to open as early as 10 am on Sundays.

Increase in Claims For Assault & Battery

As for the insurance industry, insurers have opted to tighten their belts with restaurants by placing sub limits on liquor liability assault and battery coverage. Out of the total number of insurance claims by restaurants, 35% are assault and battery related, a huge increase compared to 25 years ago.

For that reason, Hospitality Insurance Group does not sub-limit their insurance policies to their insured, whereas the majority of our competition charges extra for this coverage.

Restaurants Getting Creative

With more and more restaurants opening, we see that they are looking for a competitive advantage among the competition to stay engaged with their patrons. Creative new restaurant concepts where “flaming drinks” are offered may seem innovative,  what happens if that drink burns someone? Or offering games such as “beer pong” also known as “Beirut” at bars encouraging patrons to drink more.  As more restaurants move toward computerized systems and online technology, cyber security is becoming an area with some large uninsured exposures in some cases. While cyber security is not a current offering at Hospitality Insurance Group, we do see this being a possibility in the future.

But what about the next 25 years and where the hospitality industry is headed?

As allowed by some states, including Connecticut,  restaurants can stay open until 3 or 4 am. Do we think that will end up happening in Massachusetts? Probably not, because nothing good happens after midnight, let alone 3 am.

Despite consumer interest and other states like Illinois repealing their happy hour ban, we also don’t foresee Massachusetts lifting the current happy hour ban in place.

As for Hospitality Insurance Group, Tympanick says “We’ve seen a lot of our competitors in various states stop offering liquor liability coverage for one reason or another, so we’re here to stay.”

If you’re a restaurant looking for coverage, please contact one of our state representatives to find a local independent insurance agency near you. 

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