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.

For details about how to attend the 12th Annual Meeting of Hospitality Mutual Insurance Company Policyholders, please contact Susan Holland at, 774-512-9306 or sholland@hmic.com, prior to May 14, 2020.

COVID-19 Outbreak Frequently Asked Questions

A – We have the following guidelines in place:

  • All installment invoices will be deferred by 60 days
  • All nonpayment cancellations will be held for 60 days.  We will not generate cancelation notices from March 16, 2020 through May 15, 2020.
  • All deposits for Renewals will be deferred by 60 days
  • All deposits for New Businessare not deferred.  Required 20% down payment for installment plan, or payment in full.
  • Requests from finance companies to cancel would continue to be processed.

Specific examples

Billing Invoice Extensions – We will extend the due dates for all renewal and installment 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 a renewal or installment invoice was issued prior to March 16, 2020, the policyholder will be given an additional 60 (sixty) days from the due date listed on the invoice to make payment.


If a renewal invoice was issued after March 16, 2020, the policyholder will be given an additional 60 (sixty) days from the due date listed on the renewal invoice to make payment.


If an installment invoice is issued after March 16, 2020, the adjusted due date will be reflected on the invoice.

A –   Yes.  We will adjust annual liquor sales based on the percentage of the policy period affected by the shutdown and re-calculate premium on that basis.  We will automatically endorse each liquor liability policy *** once we know the length of closure in each state.  We are using a start date of March 16, 2020 in all states.  We will watch for states to announce their official reopen orders.  We will use those dates to make the calculation.

See the * note below on how credits will be processed.

IMPORTANT – If your policy renews during the shutdown period we will have a two-step process.

  1. We will calculate your refund on the expiring policy since we already know the start date (March 16, 2020) and the end date would be your expiration date.  The amount of the credit for the closure period will be refunded as stated below.**
  2. Your renewal policy will have an adjustment calculated from the renewal date until the end of the mandated closures as indicated by your state.*

* If the policy is paid in full, the overpayment will be refunded to either the insured or finance company.  If there is balance owed, that balance will be reduced by the amount of the credit.

** If the policy is paid in full the overpayment will be refunded to either the insured or finance company.

*** Does not apply to liquor liability policies for liquor stores or temporary event policies.

A – We finished processing endorsements on 4/17/20 for policies that renewed from March 16, 2020 through May 4, 2020. Those checks will be mailed on or about April 23, 2020.

A – For those states allowing takeout liquor sales we will extend our policy to provide liquor liability coverage.  Click here to see what states are currently allowing.

A  – Yes.  Recurring EFT/credit card payments are based on the payment due date.  These automatic payments are receiving the same 60 day deferral as other billing invoices.

A – NO – Please refer to the information below.

When you review your insurance policy, please pay careful attention to the Coverage terms and Exclusions and specifically note the following:

  • Property Damage: Our standard policy covers “direct physical loss of or damage to Covered Property….” (Emphasis added).
  • Business Income. Our standard policy includes coverage for loss of Business Income, following a 72 hour waiting period, due to the suspension of your operations. Please note this coverage is location specific and may only apply to certain locations on your policy. Under the terms of the policy, “The suspension must be caused by direct physical loss of or damage to property at the described premises. The loss or damage must be caused by or result from a Covered Cause of Loss.” (Emphasis added).
  • Civil Authority. Our standard policy includes coverage for the loss of Business Income “when a Covered Cause of Loss causes damage to property other than your property” and “action of civil authority is taken in response to dangerous physical conditions resulting from the damage or continuation of the Covered Cause of Loss” that prohibits access to your property. Under the terms of the policy, your property must be “within that area but not more than one mile from the damaged property”. (Emphasis added.)
  • Exclusion for Virus or Bacteria: Our standard policy includes an Exclusion for loss or damage caused by “Any virus, bacterium or other microorganism that induces or is capable of inducing physical distress, illness or disease.”

A – Your General Liability policy with Hospitality Insurance Group does not cover you for the delivery of food done by you or your employees.  This is not a coverage we offered before the crisis.  However, if you have contracted with a third party vendor such as Uber Eats, Grub Hub, etc. you should refer to your contract with them.  If you wish to deliver food using your employees, you should contact your agent about purchasing the proper coverage from an auto insurer as this is an auto exposure.

Niche Writer
people toasting with beer photo photo

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

Read More

All Under One Roof
restaurant interior photo

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

Read More

Assault & Battery Coverage
security at bar photo

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

Read More

Let's deliver the right solution for your business.

    Your Name:

    I would like to discuss:

    Your Email: Optional

    Your Phone Number:

    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

    Hospitality Insurance Co.

    CT, NH, NC, PA, RI & VT