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 10/1/2018, HMIC is discontinuing the practice of annual audits for each liquor liability policy. Instead, the information needed to maintain accurate pricing has been added into their newly updated New Business and Renewal Business Applications.
Agents will now receive their policy expiration list approximately 90 days in advance to allow additional time to gather the sales verification documentation from clients.
*Sales Verification does not apply to auto-renewal policies and only applies to application submissions.*
A completed application and payment are required to bind coverage. Completed submissions can be faxed or uploaded via our secured Submission Portal.
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.|
|Assault and Battery coverage is available for a 10%-20% add-on with a $100 minimum. Assault and battery coverage is for the full policy limits. No sublimit applies.|
|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|
|10% discount for clients if 100% of managers and 75% of servers participate in an approved alcohol-training program. See approved programs.|
|50% discount for assault and battery coverage if 100% of managers and 75% of non-management staff participate in an approved security training program. See approved programs.|
|Massachusetts Restaurant Association Members - will receive a 20% credit on their liquor liability premium.|
|10% discount for establishments that close by 8 pm.|
|Renewal Business Applications|
|Renewal Business Application|
|Commercial GL Renewal|
Hospitality Insurance Group
Payment by Phone:
To make a Credit Card/ACH payment call: 877-366-1140
|Endorsements, Reinstatement, Cancellation & Audit|
Please forward the following requests to Colleen Lahna 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 Colleen Lahna 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 firstname.lastname@example.org or fax to (508) 836-4640.
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