Assault & Battery: Where’s the Coverage?

By Frank O'MalleyLiquor Liability

Assault & Battery: Where’s the Coverage? Most insurance agents would not expect to see an assault and battery exclusion on their client’s CGL policy. However, when it comes to establishments that serve a high percentage of alcohol, it is not uncommon for carriers to apply a specialized exclusion for this exposure. Do you know if your client is properly covered?  … Read More

Insurance Made Simple: Part II – Business Income Insurance, Ah the mystery of it all!

By Sandra HaleyGeneral Liability

Most businesses would never think of going without property and liability insurance. Even if they do wish to go without it, often times that’s not even an option. For many, the mortgagee requires the purchase of insurance to protect their financial investment. The reality for many insureds is that the key to surviving a disaster may very well depend on … Read More

Employees Drinking After Hours: A Recipe for Disaster

By John W. TympanickEmployees

For bar and restaurant owners, their business is their livelihood, their pride and joy, an enormous investment they have more than likely worked tirelessly to build and maintain. Opening a bar or restaurant is known to be a risky undertaking. Statistics show that anywhere between 60-90% of bars and restaurants fail within 1-3 years. In an industry where failure is … Read More

The Claim’s Perspective: Simple Solutions to Big Exposures

By Stephanie ConnonProperty Owners

Meteorologists predict a below average hurricane season for this year though business owner policyholders know that forecasts are not an exact science. Unpredictable weather patterns pose an ever present threat of moderate to catastrophic physical damage and interruption to their business operations. Case in point is Revere, MA. On June 28, 2014 it may have surprised you to learn that … Read More

Insurance Made Simple: Part I – Property Insurance

By Sandra HaleyProperty Owners

Helping you and your customers understand the confusing world of insurance! Insurance companies seem to have their own language. Knowing what coverage to buy and how much of it you need is a mystery to most business owners. Insurance is not as confusing as most insurance companies make it out to be, and I’m here to help you understand it! … Read More

6 Tips for a Safe 4th of July Weekend

By Nicole OrchardGeneral

The 4th of July is a time for family, friends and FUN! It’s an all-American weekend known for its barbeques, beaches and fireworks. It also means heavy drinking for some. We want everyone to have a FUN holiday weekend, but we also want you to have a SAFE one. Here are 6 things we think are important to think about … Read More

Insurance: A Necessary Evil

By Sandra HaleyGeneral Liability, Liquor Liability

Most people find buying insurance a necessary evil.  No one wants to spend monies for an intangible item like insurance, but having it is not only a smart business decision in order to protect your property and your financial assets, it is usually a condition of getting a mortgage on a building. Some people purchase insurance for peace of mind, … Read More

Welcome to Remove the Risk

By Nicole OrchardGeneral Liability

At Hospitality Insurance Group, we live by our motto ‘taking the risk out of hospitality.’ Our goal is to help businesses in the hospitality industry mitigate the risk the industry inevitably brings. Hospitality Insurance Group made a conscious decision to specialize in the hospitality industry. We see the importance in being able to recognize and accommodate the needs of the … Read More