Hospitality Market & Temporary Events

Hospitality Webinar Image

Hospitality Mutual Offers New Program & Product Improvements!
Missed the Webinar on December 17th?

Hospitality’s Dick Welch, Sandra Haley & Mark Trombly how their liquor liability insurance solutions will be even better in 2021! Ease of doing business changes; a unique billing option for your larger-premium liquor liability clients; updated CGL forms, and more! 

Sponsored by MAIA's Number One.

Cover your Massachusetts hospitality clients with a policy written by Hospitality Mutual Insurance Company, Demotech Rating of ‘A Exceptional.’  Liquor Liability, General Liability, Commercial Property, and Excess Coverage is also available. Private and commercial Temporary Event Policies are available for weddings, private parties, fairs, and more. 

Important Policy Change:

Effective October 1, 2019, Hospitality Mutual has a new Liquor Liability policy form. Please check out this Policyholder Notice, which is being mailed to all insureds. We recommend that all agents selling HMIC Policies review this notice for understanding.  

Program Overview

New Business Information

A completed application with 12 months of sales verification is required to quote coverage. Completed submissions can be faxed or uploaded via our secured Submission Portal. 


Liquor Liability:

Visit and go to Policyholders Section to locate Insurance Approved Alcohol-Awareness Programs.

General Liability & Property:

Eligible Businesses
 Bars, Grills, Taverns, Bowling Alleys
 Stores - package stores, beer distributors, drug stores, markets
 Clubs - country, golf, civic, fraternal, social
 Restaurants, Hotels, Motels
 Manufacturers - including wineries with or without hospitality rooms
 Wholesale Distributors - including importers (no Consumption on Premises)
 Temporary Event Policies (weddings, private parties, fairs)
Coverage Features
Liquor Liability coverage with limits of $1M per person / $1M per occurrence / $2M aggregate, with no deductibles.
Comprehensive General Liability coverage with limits of $1M per occurrence / $2M aggregate, with no deductibles.

Cyber Liability coverage is included on all new and renewal Commercial Property policies.

Property Damage coverage can be endorsed onto a Liquor Liability policy for a 1% premium charge with a $50 minimum.
No off-and-away exclusion
Potential Credits
Discounts are available for Alcohol-Awareness Training and Age Verification Systems, Fine Dining, and Loss-Free Accounts
Massachusetts Restaurant Association Members - will receive a 20% credit on their liquor liability premium.
10% discount for establishments that close by 11 pm.


Service Existing Business

Renewal Business Applications
Renewal Business Application
Commercial GL Renewal
Renewal Payment

By Mail:

Hospitality Insurance Group
106 Southville Road
Southborough, MA 01772
Please include policy number on the check.

Pay Online:


Pay by Phone:  For Credit Card/ACH payment call 877-366-1140

Endorsements, Reinstatement, Cancellation & Audit

Please forward the following requests to Lori Kane or fax to 508-634-2930 for processing:



Audit Inquiries

Signed LPR for Cancellation Requests

Certificate of Insurance

Agents may issue a certificate of insurance but we suggest making sure the policy is in force before issuing and noting your file. 

After issuing the certificate, you are required to email a copy to the Number One Insurance Agency.

Please email Lori Kane or fax to 508-634-2930. We will forward this certificate on to HMIC.

Report a Claim

To report a claim please refer the insured to their policy documentation for instructions. The Number One Insurance Agency, Inc. is not responsible for claim handling or reporting claims to the insurance company. As always, feel free to call us if you have any questions.

Email or fax to (508) 836-4640.


Program Commission Rates 

Submission Portal

Upload the insured’s application and Insured Payment Authorization Form.

Recommended browser is Google Chrome. Internet Explorer Users: Drag your file into the box above the "Upload" button.


*Denotes required field.