April 2017 Liquor Liability Policies

adminAgents, Bars & Restaurants, Policyholders

Take a look at some of the policies we wrote in April 2017 at Hospitality Insurance Group including the type of coverage included, insurance discounts applied and a glimpse at the total insurance premium.

Restaurant in Gloucester, Massachusetts
General Liability & Liquor Liability Coverage
Limits of 1M/2M
Discounts Applied:
– Member of MA Restaurant Association
Alcohol Training Credit
– Elite Discount Applied
– Live Entertainment
GL A&B and Property Damage
Total Sales: $1,661,794
Liquor to Food Sales Ratio: 26%
Total Premium: $10,485

Restaurant in Jamaica Plain, MA
Liquor Liability Coverage
Limits of 1M/2M
Discounts Applied:
Member of MA Restaurant Association
Alcohol Training Credit
– Elite Discount Applied
GL A&B and Property Damage
Total Sales: $700,000
Liquor to Food Sales Ratio: 50%
Total Premium: $8,418

Catering in Provincetown, Massachusetts:
Liquor Liability Coverage
Limits of 500/1M
– Live Entertainment
– Did Not Have Alcohol Training Credit
Total # of Adult Attendees: 2,250
Total Premium: $1,746

Bar in Boone, North Carolina
CP w/Liquor & Excess
1M/1M/2M
Total Sales: $750,000
Liquor to Food Sales Ratio: 50%
GL A & B Endorsement
Property Enhancement
Discounts Applied:
– Alcohol Training Credit
Total Premium: $14,642

Restaurant in Charlotte, North Carolina w/Liquor & Excess, 1M/1M/2M
Total Sales: $1.6M
Liquor to Food Sales Ratio: 48%
GL A & B Endorsement
Property Damage Endorsement
Discounts Applied:
– Alcohol Awareness Training
Membership Credit (NCRLA)
– Elite Discount Applied
Total Premium: $14,887

Restaurant in Randleman, North Carolina
CP w/Liquor, 1M/1M/2M
Total Sales: $540K
Liquor to Food Sales Ratio: 40%
GL A & B Endorsement
Live Entertainment
Property Damage Endorsement
-Hired/Non-Owned Auto
Discounts Applied:
Alcohol Training Credit
– Elite Discount Applied
Total Premium: $4,819

Facebook Comments