Who is Eligible?

Are you eligible for coverage?

Hospitality Insurance Group’s commercial property, commercial general liability, liquor liability, and excess liability coverage is available to owners of bars, restaurants, taverns, nightclubs, liquor stores, caterers and other businesses that serve or sell liquor.

Our experienced underwriters look closely at every risk and evaluate them on a case-by-case basis. Quotes are issued subject to the underwriter’s review after all questions have been answered.

Many factors are considered during the underwriting process, some of which include:

  • Loss history
  • Liquor to food ratio
  • Building age and structure
  • Updates and maintenance
  • Scope of coverage
  • Financials
  • Kitchen requirements
  • Training programs
  • Ownership/management experience

*Factors vary based on the type of coverage being requested. Not all apply to all policies.

Preferred liquor rates are also available to those who qualify. These rates feature substantially reduced premiums with the opportunity for additional savings for those who purchase package policies and/or general liability and liquor liability coverage. Discounts are also available for use of approved training programs and other qualifications.

Learn More

For more information, please contact your local insurance agent or Hospitality Insurance Group toll free at 877-366-1140.