The Liquor Liability Experts

Protecting businesses that serve or sell alcohol. We offer a Commercial Package Policy that can include liquor liability, commercial property, general liability. 
We also write excess liability coverage.


New Liquor Liability Applications – We will kick off the New Year with new applications for new and renewal business with effective dates of January 1, 2021 or after.  As part of our new system and product upgrades for 2021 we have revised our applications. The new applications reflect changes in our billing options and the addition of a new financing plan in conjunction with First Insurance Funding “Pay as you Pour”.  The new applications are found on our website under the Agents tab.  The applications were revised to reflect the new payment option and reflect the change in the required down payment which has been revised to 25%.

Commercial Package Policy Available 2/1/21 – Here is how it works. Whether we write one line of business or multiple lines for a policyholder, the policy will be a CPP.  Eligible lines of business include Commercial Property, General Liability and Liquor Liability. So, no matter how many lines the insured writes with us, all lines will be under the CPP and will have one invoice.  The one exception will be the Excess line of business.  This will not be included in the CPP, but it will be rolled into one account bill, still providing the insured with only one bill for all policies written with Hospitality. All policies reissued under the CPP will contain a new CPP policy number. So, all expiring policy numbers will no longer apply. 

Policyholder Notification – New GL Forms Effective 2/1/21 – We are making some form changes to our Commercial General Liability policy for all new and renewal policies.  Please click here to see the Policyholder Notification that is being mailed with all renewal CGL policies with an effective date of 2/1/21 or later.

If an you’d like a copy of a specific form please request one via e-mail at or request one from your underwriter.

The list of forms is below:

  • Lead Liability Exclusion
  • Asbestos Exclusion
  • Contractors, Subcontractors and Entertainers Exclusion
  • Infringement of Copyright, Patent, Trademark or Trade Secrets Exclusion
  • Communicable Disease Exclusion
  • OFAC – Advisory Notification to Policyholders

Watch for a webinar invitation coming soon to review these changes and some additional ones that will be effective soon.



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

For more information e-mail Sandra Haley ( or Mark Trombly (

On March 24, 2020, the MA Commissioner of Insurance issued bulletin 2020-05 regarding flexibility in the issuance and administration of insurance during COVID-19.

On Monday, March 16, 2020, Hospitality Insurance Group was one of the first companies to respond to the financial crisis facing policyholders.  On that day we issued the Hospitality Insurance Group’s COVID-19 Response to our agents and policyholders.  The response is posted here for your reference.  The response plan properly addresses the actions requested by the commissioner of insurance.

We are committed to working with our agents and policyholders during these trying times.

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

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

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

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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.

    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.

    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

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    Hospitality Insurance Co.

    CT, NH, NC, PA, RI & VT

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