• Bars, Grills, Taverns, Bowling Alleys
  
• Stores – (package stores, beer distributors, drug stores, markets) *Preferred Rate
  
• Clubs – (country, golf, civic, fraternal, social) *Preferred Rate
  
• Restaurants, Hotels, Motels
• Manufacturers
  (including wineries with or without hospitality rooms)
• Wholesale Distributors
  (including importers) No Consumption on Premises.
• Temporary Event Policies Also Available...

  Great rates are available for weddings, private parties, fairs and other "temporary events". This a great way to provide clients peace of mind when they throw a wedding, bar or bat mitzvah, anniversary party or holiday reception. Please use the short Temporary Event Application to apply for coverage.

• Liquor Liability coverage with limits of $1 million per person /
  $1 million per occurrence / $2 million aggregate, with no deductibles.
• Comprehensive General Liability coverage with limits of $1 million per occurrence / $2 million aggregate, with no deductibles.
• Assault and Battery coverage is available for a 10%-20%
  add-on. Our assault and battery coverage is for the full policy limits. No sublimit applies.
• Excess Property Damage coverage is available for a 1%
  add-on.
• A 10% discount for clients if 100% of managers and 75% of servers participate in an approved alcohol-training program. For a listing of approved programs, click here.
• A 50% discount for assault and battery coverage if 100% of managers and 75% of non-management staff participate in an approved security training program. For a listing of approved programs, click here.
• A 10% discount for establishments that close by 8 pm.
• No off-and-away exclusion

1. You need to be a member of MAIA with a completed broker's agreement.
   
   
2. Fax or email the completed application(s) to Melissa Murphy, 508-634-2930 or mmurphy@massgent.com.
   
   
3. We will contact you or send a quote. It is our goal to get back to you with a quote within 48 hours.
   
   
4. To bind coverage you will need to collect a down payment and mail the original application and check to our office:
   Number One Insurance Agency
   91 Cedar Street
   Milford, MA 01757
   
   **The effective date will be the date payment is received. Please note that we cannot back-date coverage.
   
   
5. We will then have the policy issued and forward it to your office.

Rating Tiers

• Preferred tier is for those clients with liquor sales under 60% and a three-year loss ratio under 55%.
  
  
• Modified tier is for those clients with liquor sales between 60%-100%, with a three-year loss ratio under 55%; they also must have participated in an approved alcohol-server training program.
  
  
• Standard rates for those insureds who do not qualify for the "preferred" or “modified” programs.