Hospitality Insurance Program from A.I.I. Insurance Brokerage of MA
A.I.I. Insurance Brokerage of MA offers a Hospitality Insurance program designed for the specific risks of hospitality operations. As an experienced Excess & Surplus Lines broker, we provide independent agents and brokers access to multiple non-admitted and specialty markets to help place accounts that may be difficult to place in standard admitted markets.
Ideal Accounts and Appetite
This program is focused on hospitality businesses with elevated or complex exposures. We are actively seeking accounts in these categories:
- Bars and nightclubs
- Restaurants
- Caterers
- Gentlemen’s clubs
We can handle operations with liquor service, live entertainment, dance floors, and special events. Whether it’s a high-traffic downtown bar or a small-town restaurant that hosts frequent events, our appetite is for hospitality risks that demonstrate reasonable controls or where markets are willing to consider risk-mitigation plans.
Coverage Highlights and Advantages
Because we place business across a variety of carriers, we can tailor packages to match each client’s exposures. Common coverages available through the program include:
- General liability
- Liquor liability
- Property coverage
- Assault & battery
- Business interruption
- Inland marine and equipment
We focus on practical solutions for the most frequent hospitality exposures — slip-and-fall incidents, liquor-related claims, property damage during events, and equipment breakdowns — and work to align coverage forms and limits to each client’s operations.
Underwriting Notes and Minimum Premiums
Minimum premiums vary by class, location, and individual risk characteristics. For the most efficient review, submit complete packages that include years in business, current loss runs, a description of operations and special events, liquor sales percentages (if applicable), security measures, and prior insurance history.
New ventures are considered if they show experienced management, a clear business plan, and appropriate risk controls. Accounts with prior losses will be evaluated on severity, frequency, and documented corrective actions.
Territories and Availability
This Hospitality Insurance program is available in the New England states listed below:
- Connecticut (CT)
- Massachusetts (MA)
- Maine (ME)
- New Hampshire (NH)
- Rhode Island (RI)
We have established carrier relationships across these territories and understand the local market dynamics and regulatory environment for hospitality operations.
Why Work With A.I.I. Insurance Brokerage of MA?
As a specialist Excess & Surplus Lines broker, A.I.I. Insurance Brokerage of MA combines deep hospitality expertise with broad market access. We focus on responsive service and practical underwriting that helps you place both standard and harder-to-place hospitality accounts. Our team can assist with submissions, market placement, and negotiating terms to match the client’s risk profile.
Example scenarios that fit the program:
- You have a downtown bar with high liquor sales and live music looking for combined general and liquor liability with assault & battery limits.
- An independent caterer expanding into off-site events that needs liability, inland marine for equipment, and business interruption for event cancellations.
Frequently Asked Questions
What types of accounts are a good fit for this program?
We focus on hospitality businesses such as bars, nightclubs, restaurants, caterers, and gentlemen’s clubs, especially those with liquor liability or entertainment exposures.
Is your program available to new ventures?
Yes. We can consider new ventures that demonstrate experienced management, clear operating plans, and appropriate safety practices. Each submission is reviewed on its own merits.
Do you offer coverage for liquor liability?
Yes. Liquor liability is a core component of the program and is available for most hospitality risks, including accounts with significant liquor sales, subject to underwriting review.
What underwriting information is needed for a submission?
Provide a completed application, recent loss runs, description of operations and events, liquor sales percentages (if applicable), security protocols, and prior insurance history to help expedite placement.
Which states is the program available in?
This program is available in Connecticut, Massachusetts, Maine, New Hampshire, and Rhode Island.
Need help placing an account? Connect with a market specialist.