Policy Limits​

• $50,000 person/$100,000 occurrence/$100,000 aggregate​​​
• $100,000 person/$200,000 occurrence/$200,000 aggregate​
• $250,000 person/$500,000 occurrence/$500,000 aggregate​
• $500,000 person/$1,000,000 occurrence/$1,000,000 aggregate​
• $1,000,000 person/$1,000,000 occurrence/$2,000,000 aggregate​

• Maximum limits of $1 million per person/$1 million per occurrence/$2 million aggregate
• Pays first dollar defense – no deductibles and unlimited reimbursement for attorney’s fees.
• Audited on an annual basis – return premium or additional premium billed based on results
• Full Assault & Battery coverage is automatically included with HIC’s policy up to the full policy limits – no sub-limits or deductibles. General liability A&B is available as a buyback endorsement.
• Additional Insureds can be added for $50 dollars each. There is also as option for a blanket additional insured for $250.  AI’s cannot be involved with serving, selling or distributing alcohol in any way.
• Temporary Event Coverage is available for one day or mulitple day events that include alcohol
• Clients who qualify for preferred liquor rates are eligible for substantially reduced premiums with additional savings for establishments that purchases package policies and/or general liability and liquor liability coverage.
• Hospitality Insurance Company will accept competitors’ applications.

• Maximum Limits of $1 million per person/$2 million per occurrence
• Minimum premium of $750
• Mono-line policy available
• No deductibles and unlimited reimbursements for attorney’s fees
• ACORD 126 GL application accepted
• Hired & Non owned available to insured with NO delivery or valet parking
• Will consider GL for seasonal properties
• Temporary Event Coverage – one day or multiple events
• Additional Insured can be added for $75. ​Must provide explanation of interest.
• Discounts available when both liquor liability and general liability are purchased from HIC

​​Property Coverage: 

• CPP Product
• Property values up to $3 million
• Minimum deductible
• Business Income– HIC does not offer ALS, must indicate limits and coinsurance, monthly limitation or maximum period of indemnity
• Mixed Occupancies – habitational – must have interconnected, hardwired smoke detectors throughout entire building
• ACORD 140 application accepted and ACCORD Restaurant Supplement (if HIC LL application is not completed)
• Expanded property damage coverage
• Equipment Breakdown is not available in Rhode Island.

Property Enhancement Endorsement (optional coverage for $500)

Highlights include:

• Spoilage due to mechanical breakdown
• Employee Theft
• Money & Securities – inside/outside
• Electronic Data
• Building Endorsement
• Brands & Labels
• Personnel effects and property of others
• Property off premises
• Off premises utility service failure

Other Endorsements

HIC offers an additional property endorsement to help meets the needs of their clients:

Highlights include:

• Loss of income
• Spoilage, including power outages, contamination, breakdown
• Sign coverage

Excess Liability Coverage

• HIC offers an Excess Liability policy that extends the Liquor Liability occurrence limit, the General Liability occurrence limit, and the optional A&B occurrence limit.
• Written on Hospitality Insurance Group’s admitted paper
• Must have both the Liquor Liability and the General Liability coverage with HIC
• Excess will only sit over LL & GL
• ACORD Application accepted

​Temporary Events Coverage:

• Periods of less than one day shall be rated as if they constituted one full day.
• HIC offers one day liquor liability and general liability temporary event policies.
• Offers annual temporary events policies for entities that host multiple special events throughout the year.
• Rates are determined by the number of people attending each event. For events of more than one day, the premium shall be calculated based upon the number of attendees for each separate day.