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.
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.
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:HMIC.com and go to Policyholders Section to locate Insurance Approved Alcohol-Awareness Programs.
General Liability & Property:
|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)|
|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|
|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.|
|Renewal Business Applications|
|Renewal Business Application|
|Commercial GL Renewal|
Hospitality Insurance Group
Pay Online: https://pay.xpress-pay.com/?pk=8157
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:
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 email@example.com or fax to (508) 836-4640.
Recommended browser is Google Chrome. Internet Explorer Users: Drag your file into the box above the "Upload" button.