Business Details
Hospitality Insurance Group | Comprehensive Coverage for Bars, Restaurants & Liquor Liability
Hospitality Insurance Group specializes in providing tailored insurance solutions for businesses in the hospitality industry. With decades of combined experience, our team understands the unique risks faced by establishments serving or selling liquor, including bars, restaurants, breweries, and catering businesses. We offer comprehensive coverage options such as liquor liability, commercial property, general liability, and excess liability policies designed to protect against catastrophic losses. Our commitment to industry expertise is demonstrated through specialized endorsements like assault and battery coverage, temporary event insurance, and risk management programs.As a trusted partner, we maintain strong relationships with independent insurance agents and provide competitive pricing through association discounts and training program incentives. Our focus on client satisfaction is reflected in responsive underwriting support, 24/7 claims assistance, and innovative digital tools like our online payment system and agency portal. Backed by Demotech's 'A Exceptional' rating, we combine financial stability with personalized service to deliver reliable protection for hospitality businesses across seven northeastern and mid-Atlantic states.
Services
Liquor Liability Insurance
Commercial Property Insurance
General Liability Insurance
Excess Liability Coverage
Temporary Event Insurance
Highlights and features
- We offer 40+ years of combined leadership experience in hospitality insurance
- Our policies include specialized assault and battery coverage up to full limits
- We provide 5% discounts for restaurant association members in six states
- Our agency portal enables same-day BOP quote reviews
- We maintain an 'A Exceptional' financial strength rating from Demotech
Associations and certifications
- Demotech
Services
Liquor Liability Insurance
Protects hospitality businesses from claims related to alcohol service. Covers legal costs and damages from incidents like assault and battery. Essential for bars, restaurants, and breweries in regulated states.
Commercial Property Insurance
Covers building and contents against losses from fire, theft, and equipment breakdown. Includes spoilage protection and income loss coverage. Enhances standard policies with specialized endorsements for hospitality risks.
General Liability Insurance
Provides protection against third-party injury and property damage claims. Covers on and off-premises exposures. Combines with liquor liability for discounted rates and added assault coverage.
Excess Liability Coverage
Extends coverage limits beyond primary policies. Follows form of underlying liquor and general liability policies. Protects against catastrophic losses with higher claim limits for major incidents.
Temporary Event Insurance
Provides short-term liability protection for special events. Covers weddings, parties, and annual multi-event plans. Offers cost-effective solutions for one-day or seasonal hospitality functions.
People
Richard E. Welch Jr.
President & CEO
Insurance executive with 30+ years experience. Former CEO of Premier Insurance Co. Served on multiple insurance boards. Expertise in strategic planning and financial management for Massachusetts-based operations.
Stephanie Connon
General Counsel
Legal expert with 29 years in insurance and litigation. Manages claims operations and legal matters. Holds law degree from New England School of Law with extensive commercial litigation experience.
Eric Piurkowski
CFO
CPA with 15 years in insurance finance. Former audit manager at Deloitte. Oversees financial operations with expertise in insurance accounting and regulatory compliance across multiple states.
Warren Lewis
VP of Operations
20+ years insurance industry experience. Former agency owner with personal lines expertise. Manages operational logistics and data systems for multi-state policy administration.
Mark Trombly
VP of Marketing
Insurance marketing leader with 40 years experience. Holds CPCU, CIC designations. Develops agent partnerships and market expansion strategies across New England and beyond.
Questions
What does liquor liability insurance cover?
Covers legal claims from alcohol-related incidents including bodily injury, property damage, and assault. Required by law in Massachusetts with minimum $250,000/$500,000 limits.
Do you offer discounts for restaurant associations?
Yes, we provide 5% BOP policy discounts for members of state restaurant associations in MA, CT, NH, NC, PA, RI, and VT.
How do I report an incident claim?
Submit incident details through your agent using our online forms. Include event details, witness information, and injured parties. Claims team will respond promptly.
Can I get temporary event coverage?
Yes, we offer one-day and annual policies for weddings, parties, and special events involving alcohol service across all served states.
What risk management resources are available?
We provide VIP Safety Strategies, active shooter training, and responsible alcohol service programs. Policyholders receive premium discounts for approved training completion.
Videos
