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Policy Holder Frequently Asked Questions

This section includes frequently asked questions about Hospitality Risk Consultants. For additional information, see About Hospitality Risk Consultants, contact your insurance agent or contact Hospitality Risk Consultants today.

  • Who is eligible for liquor liability insurance through Hospitality Risk Consultants? 

    Hospitality Risk Consultants liquor liability insurance is available for owners of taverns, hotels, restaurants, social clubs and package stores, and for caterers and all other businesses that sell or serve alcoholic beverages.

  • What does a typical liquor liability policy provide?

    Typical Liquor Liability policies provide  comprehensive coverage ranging from $ 100,000 up to $1 million per person/$ 100,000 to $1 million per occurrence/$1,000,000 to$2 million aggregate with no individual deductibles and unlimited reimbursement for attorney’s fees. 

  • How can I qualify for a discount on my insurance?

    Certain discounts MAY apply depending on certain things like where your business is located.  Please inquire about whether these discounts apply to your business.

    • A 10% discount is available for insureds if 100% of managers and 75% of servers participate in an approved alcohol-awareness training program. For a list of approved programs, click here.
    • A 10% discount is available for establishments that close by 8 p.m.
    • A 50% discount is available for assault and battery coverage if 100% of managers and 75% of non-management staff participate in an approved security training program. For a listing of approved programs, click here. 
    • A 20% discount is available for establishments that are members of their state restaurant association.
  • Where are approved alcohol consumption awareness training programs available and how much do they cost?

    For a schedule of approved alcohol-awareness training programs in your area, click here or contact Hospitality Risk Consultants at 814-954-8799.