**IMPORTANT NOTICE**
Announcing our biggest news to date!
Hospitality Mutual launches Commercial Property Coverage

Why should agents be interested in selling insurance through Hospitality Mutual?

Because Hospitality Mutual Takes the Risk out of Hospitality.

In today’s world, businesses can be held liable for practically anything. That’s particularly true in the hospitality industry, where businesses may be named in lawsuits for incidents that occurred off premises or were only remotely connected to the establishment.

That’s where Hospitality Mutual comes in. As a private, mutually owned insurance company, Hospitality Mutual offers property, general liability, liquor liability, assault and battery and excess liability insurance coverage to liquor serving or selling establishments in Massachusetts.

Hospitality Mutual offers the assurance and peace of mind that come from knowing your business is protected from unexpected claims.

Commissions Are Attractive.

• New Business:

CPC – 20%
CGL – 20%

Preferred Liquor – 20%

Package Stores – 20%

Standard Liquor – 15%
Modified Liquor – 15%

Excess Coverage – 15%

• Renewals:

CPC – 20%
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%

Premiums Are Reasonable and Competitive.
We offer multiple rating tiers to meet all of your client’s needs. Clients who qualify for preferred rates are eligible for substantially reduced premiums, with additional savings for establishments that purchase package policies and/or general liability and liquor liability coverage.

Liquor Liability is no longer an option.
With the Governor recently signing Chapter 116 of the Acts of 2010 there are uninsured risks or underinsured risks that will need to purchase/increase their liquor liability insurance.

Hospitality Mutual Offers Comprehensive Coverage.

• Commercial property coverage for buildings, personal property, inventory and loss of income.
• Property Enhancement endorsement
• Comprehensive general liability coverage with limits of $1 million per occurrence; $2 million aggregate, with no deductibles.
• Liquor Liability coverage of up to $1 million per person; $1 million per occurrence; $2 million aggregate.
• Excess coverage, providing an additional $3 million in limits over liquor and general liability coverage.
• Assault and battery coverage for liquor and non liquor related incidents • Expanded property damage coverage
• A 10% discount for clients if 100% of managers and 75% of servers participate in an approved alcohol-training program. For a listing of approved programs, click here.
• A 50% discount for assault and battery coverage if 100% of managers and 75% of servers participate in an approved security training program. For a listing of approved programs, click here.
• A 10% discount for establishments that close by 8 p.m.

If you haven't quoted us lately you will be pleasantly surprised at our competitive rates, superior service and knowledgeable underwriting team. You will quickly realize the benefits to making HMIC your number one choice for liquor serving and selling risks in the Commonwealth.