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Insurance Agents

Why Partner with Hospitality Insurance Group?

Hospitality Insurance Group (HIG) is a specialty insurance carrier focused exclusively on hospitality and liquor liability insurance. We help independent insurance agents place difficult-to-insure hospitality risks with confidence—while remaining competitive on price, coverage, and commissions.

Overview

Why Agents Choose Hospitality Insurance Group

In today’s environment, hospitality businesses can be named in lawsuits for incidents that may occur on premises, off premises, or that are only loosely connected to the establishment. Liquor liability exposures make these risks even more complex. That’s where Hospitality Insurance Group comes in.

As a private, mutually owned insurance company operating out of Massachusetts, HIG offers specialized coverage designed specifically for liquor-serving and liquor-selling establishments. Our focus allows agents to confidently place hospitality risks with a carrier that understands the industry.

We take the risk out of hospitality— for you and your clients.

Premiums & Rating Tiers

Competitive Premiums & Flexible Rating Tiers

Hospitality Insurance Group offers reasonable, competitive premiums with multiple rating tiers to meet the needs of a wide range of hospitality businesses.

Preferred risks may qualify for substantially reduced premiums.

Additional savings are available when clients purchase:

Package policies

Combined general liability and liquor liability coverage

This flexibility allows agents to stay competitive while placing both standard and hard-to-place hospitality risks.

State Minimums

Liquor Liability Insurance Requirements by State

Liquor liability insurance is required by law in certain states, making specialized coverage essential for your clients.

Massachusetts

Chapter 116 of the Acts of 2010 requires businesses with pouring licenses and caterers to carry liquor liability insurance with minimum limits of:

$250,000 per person

$500,000 per occurrence

$500,000 aggregate

Rhode Island

Rhode Island General Laws (Title 3, Chapter 7) require liquor liability insurance for the sale of alcoholic beverages as of August 1, 2017, with minimum limits of:

$300,000

HIG helps agents ensure their clients meet statutory requirements while maintaining strong coverage protection.

Coverage

Comprehensive Coverage Under One Roof

Hospitality Insurance Group allows agents to place multiple lines of hospitality insurance with one carrier, simplifying placements and strengthening client relationships.

Our coverage offerings include:

Commercial Property Insurance 

Coverage for buildings, personal property, inventory, and loss of income

Property Enhancement Endorsements

Commercial General Liability

$1M per occurrence / $2M aggregate, no deductibles

Liquor Liability Insurance

Up to $1M per person / $1M per occurrence / $2M aggregate, no deductibles

Excess Liability Coverage

Additional $3M over general and liquor liability

Assault & Battery Coverage

For liquor-related and non-liquor-related incidents

Expanded Property Damage Coverage

Discounts Available to Your Clients

Hospitality Insurance Group offers multiple discounts that reward risk management and responsible operations:

10% discount when 100% of managers and 75% of servers complete an approved alcohol training program*

50% discount on assault & battery coverage when required staff complete an approved security training program*

10% discount for establishments that close by 8:00 p.m.

20% discount for members of their state restaurant association*

*Discount availability and requirements vary by state.

Attractive Commissions for Independent Agents

Hospitality Insurance Group offers competitive commissions for both new business and renewals.  

New Business Commissions

CPP – 20%

CGL – 20%

Preferred Liquor – 20%

Liquor Stores – 20%

Standard Liquor – 15%

Modified Liquor – 15%

Excess Coverage – 15%

Renewal Commissions

CPP – 15%

CGL – 15%

Preferred Liquor – 15%

Liquor Stores – 15%

Standard Liquor – 12.5%

Modified Liquor – 12.5%

Temporary Event Policies
(CGL & Liquor) – 10%

Excess Coverage – 12.5%

Agents who haven't quoted with us recently are often pleasantly surprised by our pricing, service, and underwriting expertise.

Discounts & Commissions

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Agents Without Direct Brokerage Agreements

Hospitality Insurance Group maintains direct brokerage agreements with more than 300 independent insurance agencies.

Agents who do not qualify for a direct agreement may still access HIG products through approved aggregator partners. 

Applications

Get a Quote or Learn More

To learn more, obtain a quote, or request a call, email, or office visit from a local representative, please contact us today.

call

877-366-1140

(toll-free)