
For Agents: Why Sell Liquor Liability Insurance
Why should Independent Insurance Agents be interested in selling insurance through Hospitality Insurance Group to the restaurant industry? Because Hospitality Insurance Group takes the risk out of hospitality … More »

For Restaurants: Why You Need Coverage
In today’s world, businesses can be held liable for practically anything. That’s especially true in the hospitality industry, where businesses serving or selling liquor may be named in lawsuits … More »
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Hospitality Insurance Group provides liquor liability insurance coverage for restaurant establishments in Massachusetts, Connecticut, New Hampshire, North Carolina, Pennsylvania, Rhode Island and Vermont.
When your business serves or sells liquor, it’s always best to play it safe. At Hospitality Insurance Group (HIG) we seek to provide the best liquor liability insurance coverage possible to protect establishments in what is known to be a high-risk industry.
We offer commercial property, general liability, liquor liability and excess policies to owners of establishments that serve or sell liquor including bars, taverns, restaurants, social clubs and liquor stores, as well as caterers and other qualified businesses.
For Independent Insurance Agents looking to sell insurance to their clientele in the restaurant industry, we offer attractive commissions and the ability to reach a largely untapped market.
For bar and restaurant owners, liquor store owners, social clubs, caterers and other business owners with the potential for liquor liability, we offer affordable, comprehensive coverage, with add-ons for assault and battery and property damage.
Hospitality Mutual Insurance Company (HMIC) is a private, mutually owned insurance company operating in the state of Massachusetts.
In 2010, HMIC expanded its operations and formed Hospitality Insurance Company (HIC), which allowed us to extend our operations out of Massachusetts. HIC now writes business in the states of Connecticut, New Hampshire, North Carolina, Pennsylvania, Rhode Island, and Vermont.
Together, Hospitality Mutual Insurance Company and Hospitality Insurance Company operate as Hospitality Insurance Group.
For more information or to find an independent insurance agent offering liquor liability coverage near you, click here to request a call from our team.
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July 10, 2025
Introducing Our BOP Quick Quote Tool: Get a Premium Indication in Under 5 Minutes
We know that time is money—especially for our agents. That’s why we’re excited to roll out our new BOP Quick Quote feature, designed to make your quoting process faster, easier, and more efficient than ever. With our Quick Quote tool, you can get a premium indication in under 5 minutes. That’s right—no more lengthy applications just to […]
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May 2, 2025
Meet Melissa Frecker, AINS – Underwriting Manager at HIG
Please tell me a little bit about your background/experience, and how you chose to work in the insurance industry. After studying at the University of Massachusetts in Amherst, I began my insurance career as a processor for a Worcester-based carrier, where I quickly advanced into an underwriting role. Over the years, I developed extensive experience […]
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June 6, 2023
Pups on patios
8 tips to safely cater to canine companions Take these safety precautions before opening your outdoor dining area to dogs.As the weather turns warmer, many guests are seeking outdoor dining, and some maywish to bring along canine companions. Before opening your patio to pooches, examinewhat’s legally permissible and establish related safety policies. Legal beaglesThe question […]