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Liquor Liability Insurance

This program is available to Massachusetts Insureds ONLY.
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To protect your clients who have liquor liability exposure. General Liability is also available. |
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Hospitality Mutual Insurance Company |
Applications/Forms to Download |
Hospitality Mutual Insurance Company offers liquor liability (LL) and general liability (GL) insurance for the following types of Massachusetts businesses:
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ELIGIBLE BUSINESSES: |
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Bars, Grills, Taverns, Bowling Alleys
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Stores – (package stores, beer distributors, drug stores, markets) *Preferred Rate
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Clubs – (country, golf, civic, fraternal, social) *Preferred Rate
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Restaurants, Hotels, Motels
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Manufacturers
(including wineries with or without hospitality rooms)
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Wholesale Distributors
(including importers) No Consumption on Premises.
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Temporary Event Policies Also Available...
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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. |
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COVERAGE FEATURES: |
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Liquor Liability coverage with limits of $1 million per person /
$1 million per occurrence / $2 million aggregate, with no deductibles.
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Comprehensive General Liability coverage with limits of $1 million per occurrence / $2 million aggregate, with no deductibles.
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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.
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Excess Property Damage coverage is available for a 1%
add-on.
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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.
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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.
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A 10% discount for establishments that close by 8 pm.
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No off-and-away exclusion
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HOW TO SUBMIT BUSINESS: |
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You need to be a member of MAIA with a completed broker's agreement.
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Fax or email the completed application(s) to Melissa Murphy, 508-634-2930 or mmurphy@massagent.com.
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We will contact you or send a quote. It is our goal to get back to you with a quote within 48 hours.
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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.
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We will then have the policy issued and forward it to your office.
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For more information about Liquor Liability Insurance, contact Melissa Murphy at the Number One Insurance Agency, Inc. at 800/742-6363, by fax at
(508) 634-2930 or email mmurphy@massagent.com
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Preferred tier is for those clients with liquor sales under 60% and a three-year loss ratio under 55%.
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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.
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Standard rates for those insureds who do not qualify for the "preferred" or “modified” programs.
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You will need Adobe Acrobat to view these sample applications in .pdf format. Download Adobe Acrobat -or- contact Melissa Murphy at 800/742-6363 or email mmurphy@massagent.com
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