**IMPORTANT NOTICE**
A New Name. A New Mission. And New Opportunities Effective July 1, 2008

Why should agents be interested in selling liquor liability, general liability and excess coverage insurance through Hospitality Mutual?

Commissions Are Attractive.

• New Business:

CGL – 20%

Preferred Liquor – 20%

Package Stores – 20%

Standard Liquor – 15%
Modified Liquor – 15%

Excess Coverage – 15%

• Renewals:

CGL – 15%

Preferred Liquor – 15%

Package Stores – 15%

Standard Liquor – 12.5%
Modified Liquor – 12.5%

Temporary event Policies – 10%

Excess Coverage – 12.5%

Premiums Are Reasonable and Competitive.
We offer three liquor-rating tiers to meet all of your client's needs. Our "preferred" tier is for those clients with liquor sales under 60% and a three-year loss ratio under 55%. Our new "modified" tier is for those clients with liquor sales between 60%-100%, with a three-year loss ratio under 55%; they also must have participated in an approved alcohol-server training program. Of course we continue to offer our "standard" rates for those insureds who do not qualify for the "preferred" or “modified” programs.

Much of the Market Remains Untapped.
Even though the risk of liquor liability is greater than ever, much of the market is without coverage. That means the market provides a great opportunity for insurance agents.

The cost of coverage remains low, but the reasons for buying liquor liability coverage are more compelling than ever. Two Worcester cases resulted in judgments against bar owners exceeding $20 million each. One case in Boston resulted in a $40 million award! No liquor licensee can afford the threat of a multi-million dollar lawsuit.

Liquor Liability Coverage Is A Marketing Tool.
Helping owners of bars, restaurants, package stores and catering services protect their business is a great way to open the door to other high-profit business.

Hospitality Mutual Offers Comprehensive Coverage.

• 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.
• 10%-20% add-on for assault and battery coverage. Our assault and battery coverage is for the full policy limits. No sublimit applies.
• 1% add-on for excess property damage.
• 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 non-management staff 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.
• No off-and-away exclusion