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Trusted Insurance for Hospitality Businesses
Hospitality Insurance Group has been a trusted provider of specialized insurance solutions for the hospitality industry since our founding. We focus exclusively on serving businesses that serve or sell liquor, including restaurants, bars, breweries, and catering operations across seven northeastern states. Our team of industry experts combines deep underwriting knowledge with a commitment to personalized service, offering comprehensive coverage options that include liquor liability, commercial property, general liability, and excess policies.We pride ourselves on our responsive claims process, proactive risk management resources, and innovative programs like our BOP Quick Quote tool that streamline operations for agents and policyholders alike. Through our sister companies Hospitality Mutual Insurance Company and Hospitality Insurance Company, we maintain an 'A Exceptional' Demotech rating while delivering tailored insurance solutions that address the unique risks of our clients.
Services
Liquor Liability Insurance
Commercial Property Insurance
General Liability Insurance
Excess Liability Coverage
Temporary Event Insurance
Brewery Insurance
BOP Policies
Employment Practices Liability
Cyber Liability Coverage
Equipment Breakdown Protection
Highlights and features
- Decades of experience in hospitality industry insurance
- Tailored coverage for liquor liability and related risks
- Quick quote turnaround and responsive underwriting support
- Proactive claims management with dedicated specialists
- Risk management resources including security training programs
Associations and certifications
- Demotech 'A Exceptional'
Services
Liquor Liability Insurance
Protects hospitality businesses from claims related to alcohol service. Covers legal liabilities for incidents like assault and battery, property damage, and dram shop violations. Available with sub-limit options and additional insured provisions for Massachusetts businesses required to carry minimum $250,000/$500,000 coverage.
Commercial Property Insurance
Comprehensive coverage for physical business assets including buildings and contents. Includes equipment breakdown protection and enhancements for spoilage, employee theft, electronic data loss, and off-premises property. Available with endorsements for income loss, signage, and ordinance compliance upgrades.
General Liability Insurance
Covers third-party injury and property damage claims occurring on business premises. Includes off-premises exposures and optional assault and battery coverage. Available with employment practices liability endorsements and additional insured provisions for event organizers and temporary operations.
Excess Liability Coverage
Provides supplemental protection beyond primary liquor and general liability policies. Extends occurrence limits up to $1 million when underlying coverage is purchased through Hospitality Insurance Group. Follow-form policy maintains terms of primary coverage while increasing financial protection for catastrophic claims.
Temporary Event Insurance
Flexible liability protection for short-term events serving alcohol. Covers weddings, cocktail parties, and other one-day functions with options for annual multi-event policies. Provides cost-effective protection for special occasions while maintaining comprehensive liability limits for event organizers.
People
Dick Welch
CEO
With extensive insurance industry leadership experience, Dick Welch guides Hospitality Insurance Group's strategic direction while maintaining focus on specialized hospitality risk solutions.
Stephanie Connon
Senior Vice President of Claim Operations
Legal expert Stephanie Connon leads our claims department with a proactive approach to resolution, ensuring policyholders receive expert guidance throughout the claims process.
Questions
What states do you provide coverage in?
We offer insurance solutions in Massachusetts, Connecticut, New Hampshire, North Carolina, Pennsylvania, Rhode Island, and Vermont.
What types of businesses qualify for coverage?
We insure restaurants, bars, breweries, catering businesses, package stores, and other establishments serving or selling alcohol.
Do you offer discounts for restaurant association members?
Yes, we provide a 5% discount on Business Owners Policies for members of state restaurant associations in five eligible states.
How quickly can I get a policy quote?
Our BOP Quick Quote tool provides premium indications in under 5 minutes with full policy binding available through our agent portal.
What risk management resources are available?
We offer security training programs, age verification systems, and alcohol server training to help reduce claims and qualify for premium discounts.
How do I report a claim after business hours?
Call our after-hours property claim line at 1-877-302-0203 where you'll connect directly with our on-call adjuster for prompt assistance.
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