Hospitality Insurance Group
Hospitality Insurance Group is a privately held, Southborough, Massachusetts-based specialty insurance company founded in 1985 that provides liquor liability coverage to hospitality businesses such as bars, restaurants, and clubs that serve or sell alcohol.
- Company typePrivate
- Founded1985
- HeadquartersSouthborough, United States
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Hospitality Insurance Group does
Hospitality Insurance Group is a privately held US insurance company headquartered in Southborough, Massachusetts, that has operated continuously since 1985. The firm specializes in liquor liability insurance coverage, serving businesses that serve or sell alcoholic beverages — primarily bars, restaurants, taverns, clubs, and other hospitality operators. Its product surface is narrowly focused on a single commercial line of business rather than a diversified P&C book, which positions it as a specialty carrier or program administrator in the hospitality risk segment.
The firm operates with a small team of 11-50 employees, consistent with a focused specialty underwriter or managing general agent structure rather than a large multi-line carrier. Public information about its technology stack, distribution channels, pricing, and carrier-versus-MGA status is not available in the supplied data — the company's web presence returned only a verification placeholder with no substantive product, leadership, or financial disclosures. No products-and-services detail, partnerships, certifications, regulatory actions, or management team roster are documented in the source material.
Revenue mechanics for a specialty insurance entity of this profile typically derive from net earned premium (if a carrier) or commission and fee income (if an MGA/broker), with underwriting profitability driven by loss ratios in the liquor liability class — historically a volatile line given dram-shop exposure and social-host liability trends. Without disclosed financials, premium volume, or capital structure, the firm's revenue scale and growth trajectory cannot be directly verified from the input, and the analysis is constrained to the firmographic footprint described above.
Hospitality Insurance Group firmographics
Firmographics- Name
- Hospitality Insurance Group
- Website
- https://hmic.com
- Company type
- Private
- Founded year
- 1985
- Headcount range
- 11–50 employees
- Short description
- Hospitality Insurance Group is a privately held, Southborough, Massachusetts-based specialty insurance company founded in 1985 that provides liquor liability coverage to hospitality businesses such as bars, restaurants, and clubs that serve or sell alcohol.
- Ownership category
- akta.pro rank
Hospitality Insurance Group industry classification
Industry- Product category
- Liquor Liability Insurance
- NAICS
- Insurance Carriers (5241), Direct Insurance (except Life, Health, and Medical) Carriers (52412)
- SIC
- Fire, Marine & Casualty Insurance (6331), Insurance Carriers, Nec (6399)
- akta.pro primary industry
- Liquor Liability (FSAJADAH)
- akta.pro secondary industry
- Public Liability (Premises/Operations) (FSAJADAD)
Keywords
Where Hospitality Insurance Group is headquartered
LocationHeadquarters
- HQ city
- Southborough
- HQ country
- United States
- HQ region
- North America
Markets served
Hospitality Insurance Group business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Others
Hospitality Insurance Group product offering
Product offeringCore offering
Hospitality Insurance Group underwrites and delivers liquor liability insurance coverage to businesses that serve or sell liquor, including bars, restaurants, taverns, nightclubs, and other hospitality venues. The company specializes in a single line of commercial liability coverage addressing alcohol-related risks faced by on-premise and off-premise alcohol sellers.
Differentiator
Problem solved
Functional benefit
Companies that use Hospitality Insurance Group
Customer profileIdeal customer profiles1 record
Hospitality Insurance Group technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Hospitality Insurance Group partnerships and signals
Strategic signalRecent moves1 record
Hospitality Insurance Group competitors and assessment
Company assessmentBroad incumbents
- Markel Corporation: Markel is a large specialty P&C insurer with a well-developed hospitality and liquor liability practice, writing coverage through specialty wholesale and direct channels. It is comparable to Hospitality Insurance Group as a specialty underwriter with significantly broader product breadth and scale.
- AmTrust Financial Services: AmTrust underwrites specialty small-commercial insurance including hospitality classes such as restaurants, bars, and liquor-licensed venues. It is comparable because it competes directly in the same hospitality-liability product space but operates at materially greater scale.
- James River Insurance Company: James River is a specialty E&S carrier that writes excess and surplus lines including hospitality and liquor liability for difficult-to-place risks. It is comparable as a specialty underwriter competing for the same E&S hospitality accounts.
- The Hanover Insurance Group: Hanover writes small-commercial P&C including hospitality and restaurant coverage with liquor liability as a key endorsement. It is a broader incumbent whose hospitality practice overlaps materially with Hospitality Insurance Group's niche.
- Tokio Marine HCC: Tokio Marine HCC is a global specialty insurance group writing niche casualty and commercial lines including hospitality exposures. It is comparable as a large specialty insurer with overlapping underwriting appetite in the same risk class.
Direct peers
- Society Insurance: Society Insurance is a regional mutual carrier that focuses on business insurance for hospitality operators including bars, restaurants, and taverns — a near-identical target customer base and product mix to Hospitality Insurance Group's liquor liability focus.
- Burns & Wilcox: Burns & Wilcox is a specialty insurance wholesale brokerage that places coverage including liquor liability for bars, restaurants, and nightclubs. It is a direct competitor in the same distribution channel serving the same hospitality insureds.
- Founders Insurance Company: Founders Insurance writes specialty commercial coverages for small and mid-sized businesses including restaurants and hospitality operators. It is comparable because it shares the same target customer and product orientation as a small specialty commercial underwriter.
- RPS (Risk Placement Services): RPS is a specialty wholesale broker and binding authority placing hard-to-place hospitality and liquor liability business into the E&S market. It is directly comparable as a competing distributor of the same product to the same hospitality insureds.
Regional players
- Central Insurance: Central Insurance is a regional mutual carrier focused on commercial lines in the Midwest, including hospitality and restaurant coverage. It is comparable as a regionally anchored specialty commercial underwriter competing for similar hospitality accounts.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights5 records
Customer concentration
Hospitality Insurance Group social profiles
Digital presenceHospitality Insurance Group financial estimates
Financial estimateRevenue estimate
Valuation estimate
Hospitality Insurance Group leadership team
Management profileNumber of profiles
Hospitality Insurance Group funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Hospitality Insurance Group M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Hospitality Insurance Group
What does Hospitality Insurance Group do?
Hospitality Insurance Group underwrites and delivers liquor liability insurance coverage to businesses that serve or sell liquor, including bars, restaurants, taverns, nightclubs, and other hospitality venues. The company specializes in a single line of commercial liability coverage addressing alcohol-related risks faced by on-premise and off-premise alcohol sellers.
When was Hospitality Insurance Group founded?
Hospitality Insurance Group was founded in 1985. It employs 11 to 50 people.
Where is Hospitality Insurance Group based?
Hospitality Insurance Group is headquartered in Southborough, United States, in the North America region.
Who are Hospitality Insurance Group's main competitors?
Broad incumbents on record are Markel Corporation, AmTrust Financial Services, James River Insurance Company, The Hanover Insurance Group and Tokio Marine HCC. Direct peers are Society Insurance, Burns & Wilcox, Founders Insurance Company and RPS (Risk Placement Services). Central Insurance is listed as a regional player.
Does Hospitality Insurance Group have an API?
No public API is recorded for Hospitality Insurance Group.
What industry is Hospitality Insurance Group in?
Hospitality Insurance Group's product category is Liquor Liability Insurance. Its primary akta.pro industry code is FSAJADAH, Liquor Liability, with a secondary code of FSAJADAD, Public Liability (Premises/Operations). Its NAICS code is 5241 and its SIC code is 6331.