This section includes questions frequently asked by agents about Hospitality Mutual, liquor liability and alcohol awareness training classes. For additional information, see About Hospitality Mutual and Massachusetts Liquor Laws or contact Hospitality Mutual today.

Who is eligible for liquor liability insurance through Hospitality Mutual? ^TOP
Hospitality Mutual's liquor liability insurance is available for owners of taverns, hotels, restaurants, social clubs, package stores, caterers and other businesses that sell alcoholic beverages.

What does a liquor liability policy from Hospitality Mutual cover? ^TOP
Hospitality Mutual provides comprehensive coverage of up to $1 million per person/$1 million per occurrence/$2 million aggregate. (1 million/$1 million/2 million) for bodily injury with no deductibles and unlimited reimbursement for attorney's fees.

Does Hospitality Mutual provide other coverage? ^TOP

Hospitality Mutual now offers commercial property and general liability coverage with limits up to $1 million per occurrence/$2 million aggregate and excess coverage with limits of up to $3 million . Insureds who purchase package policies or CGL coverage along with liquor liability receive additional discounts on their premiums. Licensees must purchase both liquor liability and CGL coverage from Hospitality Mutual to be eligible for excess coverage. Together, they can provide coverage of up to $4 million.

In addition, Hospitality Mutual provides two endorsements that can be added to the liquor liability policy:

Assault and battery coverage for liquor and non liquor-related incidents. This endorsement covers damages caused by assaults that take place on the premises. This coverage is usually excluded from most CGL policies.

Expanded property damage. This endorsement covers damage to the premises or to private property.

How much commission can I earn through Hospitality Mutual? ^TOP

• New Business:

CPP – 20%
CGL – 20%
Preferred Liquor – 20%
Package Stores – 20%
Standard Liquor – 15%
Modified Liquor – 15%
Excess Coverage – 15%

• Renewals:

CPP – 15%
CGL – 15%
Preferred Liquor – 15%
Package Stores – 15%
Standard Liquor – 12.5%
Modified Liquor – 12.5%
Temporary event Policies CGL and Liquor – 10%
Excess Coverage – 12.5%

How can my clients qualify for a discount on their liquor liability insurance? ^TOP

A 10% discount is available for establishments that close by 8 p.m. everyday.
A 10% discount is available for insureds if 100% of managers and 75% of servers participate in an approved alcohol-awareness training program. For a list of approved programs, click here.
A 50% discount on the assault-and-battery endorsement is available for insureds if 100% of managers and
75% of non-management staff participate in an approved security training program. For a list of approved programs, click here.

To encourage HMIC clients to effectively authenticate and catch fake IDs Hospitality Mutual is offering a rate discount based on insured’s premium size for those clients who are willing to invest in “approved” Age Verification scanners. These scanners/barcode readers detect and alert fake IDs, thus preventing underage serving of alcoholic beverages. Currently approved scanning systems:

Advanced ID Detection
800-209-5040
Medway, MA. 02053
www.AdvancedIDDetection.com

Where are approved alcohol consumption awareness training programs available? ^TOP
For a schedule of approved alcohol-awareness training programs in your area, contact the Massachusetts Restaurant Association at 508-303-9905, or Hospitality Mutual at 508-366-1140 or 877-366-1140 (toll free). A portion of your costs is subsidized by Hospitality Mutual.

Where can I get applications? ^TOP

For Commercial property, general liability, liquor liability and temporary events applications, just click here. You must have both liquor liability and CGL coverage through Hospitality Mutual to qualify for excess coverage. For more information, contact your insurance agent, or contact Hospitality Mutual at 508-366-1140 or 877-366-1140 (toll free), or shaley@hmic.com.

How do I report a claim? ^TOP
Visit the "Report A Claim" section of this Web site, e-mail dmarchant@hmic.com or call us toll free at 877-366-1140.