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Liquor Liability Program


Liquor Liability Program

Demotech Rating Logo.gifHospitality Insurance Group is an admitted insurance company offering commercial property, general liability, liquor liability, assault and battery, and excess liability insurance coverage to businesses that serve or sell liquor.

Hospitality Mutual Insurance Company (HMIC) is a private, mutually owned insurance company based in Massachusetts. In 2010, HMIC expanded its operations and formed Hospitality Insurance Company (HIC), which allowed them to expand the operation from Massachusetts to New Hampshire, Pennsylvania, Rhode Island, and Vermont.

In 2011, Hospitality Insurance Company appointed the Rhode Island Association of Insurance Agents (RIAIA) as an aggregator to make this market available to the members who do not qualify for a direct appointment. Participation is subject to review and approval, and also requires a signed RIAIA broker's agreement.

Eligible Businesses:

Liquor Stores ~ Bars ~ Restaurants
Convenience Stores ~ Caterers ~ Taverns ~ Bowling Alleys 
Gentlemen's Clubs ~ Social Clubs ~ Nightclubs ~ Manufacturers
Whole Sale Distributors ~New Ventures ~ Special Events
Please submit ACORD applications for General Liability, Property & Excess quotes.


If you have any questions regarding Hospitality Insurance Company or would like to learn more about writing business, please contact:

Helen Collins
 (401) 732-2400

For New and Renewal Business:
  1. You must be a member of IIARI with a completed Broker's Agreement.
  2. Fax or email your completed application(s) to Helen Collins at
  3. We will contact you for additional information or send a quote.  Hospitality Insurance Company requires at least a 48 hour turnaround time.
  4. To bind coverage:
    • A formal request must be made.
    • All "subject to" requirements must be met and sent along with signed applications and copy of payment or finance agreement.
    • Send original payment to Hospitality Insurance Company, 95A Turnpike Road, Westborough, MA 01581
  5. The policy will be issued and forwarded upon receipt of payment.
​​​​Preferred Liquor Liability
  • For clients with liquor sales under 60% and a three-year loss ratio under 55%
Standard Liquor Liability
  • For clients with liquor sales between 60-100%, with a three-year loss ratio under 55%; they must also have participated in an approved alcohol-server training program.
Modified Liquor Liability
  • For clients who do not qualify for the "preferred" or "modified" programs.

​​​​Potential Credits for Insured:
  • Package Discount if GL & LL are written together.
  • 10% discount for establishment that close by 8 p.m.
  • 20% Liquor Liability discount if insured is a member of Rhode Island Hospitality Association
  • 20% Fine Dining Credit*
  • 40% Loss Free Credit*
  • 10% discount for those with 100% of managers and 75% of servers that have participated in an approved alcohol-training program
  • 50% off assault and battery if 100% of managers and 75% of servers participate in an approved security training program.
*must meet required criteria
*does not apply to minimum earned premium policy

Approved Training Programs:

Hospitality Insurance Company has a number of approved training programs to help your insured become more knowledgeable in the business of serving alcohol and provide discounts on their liquor liability policy.

    • ​​​Health Communications, Inc. (T.I.P.S)
    • ServSafe Alcohol
    • Server Training on Premises (S.T.O.P)
    • Techniques of Alcohol Management (TAM)
    • Beverage Alcohol Training Program (BAT)
    • Rhode Island Hospitality Education Foundation

    • Security Liability Reduction Association * * 617-513-3525


ospitality Insurance Company has started 2021 off with new changes that will offer value to the insured as well as you, the agent.   See the changes below:


New Liquor Liability Applications

Effective January 1, 2021, applications for new business and renewals have been updated on our website.

The new applications reflect changes in Hospitality's billing options and the addition of a new financing plan in conjunction with First Insurance Funding “Pay as you Pour".  Also, the applications were revised to reflect the new payment option and reflect the change in the required down payment which has been revised to 25%.


Commercial Package Policy

Whether Hospitality writes one line of business or multiple lines for a policyholder, the policy will be a CPP.  Eligible lines of business include Commercial Property, General Liability, and Liquor Liability. So, no matter how many lines the insured writes with Hospitality, all lines will be under the CPP and will have one invoice.  The one exception will be the Excess line of business.  This will not be included in the CPP, but it will be rolled into one account bill, still providing the insured with only one bill for all policies written with Hospitality. All policies reissued under the CPP will contain a new CPP policy number. So, all expiring policy numbers will no longer apply. This change will go into effect on February 1, 2021.


Policyholder Notification

We are making some form changes to our Commercial General Liability policy for all new and renewal policies. This change will go into effect on February 1, 2021.  A description of the Policyholder Notification is below.

This is a summary of the major changes being made to your policy. No coverage is provided by this summary nor can it be construed to replace any provisions of your policy or endorsements. You should read your policy and review your declaration page for complete information on the coverages you are provided.


Coverage Form Changes/Reductions in Coverage


  • Lead Liability – Exclusion – This exclusion does not apply in Massachusetts or New Hampshire to insureds with dwelling exposures. This form is not applicable for insureds located in Vermont.
  •  Asbestos – Exclusion – This form is not applicable for insureds located in Vermont.
  •  Contractors, Subcontractors, and Entertainers Exclusion &  Infringement of Copyright, Patent, Trademark or Trade Secrets Exclusion.
  •  Communicable Disease Exclusion
  •  OFAC – Advisory Notification to Policyholders


"Pay as you Pour" - Our New Exclusive Financing Program for Your Liquor Liability Clients

Pay as you Pour is an exclusive financing option offered by Hospitality Insurance Group and First Insurance Funding for liquor liability policyholders.  A signed premium finance agreement with First Insurance Funding is required to participate in the program and the business must have a verifiable sales tracking system. Policyholders report actual sales data bi-monthly through the First's Pay as you Pour portal.  Eligible POS system users can have sales data automatically reported for them. This program is now available for new and renewal business.

Some of the highlights of the program include:

  • A down payment of only 10%
  • Attractive finance rates
  • Improved cash flow – payments are based on actual monthly sales
  • An easy-to-use on-line reporting portal
  • Easier to renew – no chasing down last year's sales – we already have it