Hospitality & Restaurant Insurance

Here in New England our villages, mountains, and coastlines make up the patchwork of our tourism and destination economy. Your business, whether it’s a bed & breakfast or a restaurant and lounge, is built on that fabric. You’ve worked hard to make it a success. While you focus on providing your guests with a memorable experience, we focus on the unforeseen risks that confront you and your business every day.

Our recipe is simple:  We understand this industry inside and out, so we understand what it takes to protect those who make it their work. We go into the insurance program design process by considering the enormous responsibility for health and safety you have for your guests. We don’t just consider the quintessential slip-and-fall or an over-served guest; we take the time to help you analyze the time and costs involved if your establishment were to suffer an interruption and what it takes to insure against that.

We provide top protection offered by the industry’s leading insurers, and we design it with same care that you take in managing your business. Better peace of mind lets you direct more of your precious energy toward being a great host.

Hospitality Industry & Restaurant Insurance Team

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Hospitality Insurance Offerings


Liquor Liability

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General Liability

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Business Interruption Coverage

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Commercial Property Insurance

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Cyber & Data Breach Coverage

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Commercial Umbrella Insurance

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Equipment Breakdown

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Workers Compensation

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Commercial Auto

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Who’s Your Star?

Small and medium-sized businesses often have employees that are “stars.” Sometimes the star is the CEO or president, other times there is a salesperson who consistently outsells every other sales team member by a two to one margin. Maybe you’re a software company that has a star coder whose ideas led to your product being a number one editor’s choice. The point is that most companies have an employee or two that helps their business thrive. What happens to your business in the short-term if a star employee, referred to by the insurance industry as a “key man,” dies?

According to a study conducted by the National Association of Insurance Commissioners (NAIC), only 22% of small businesses carry this type of coverage.

Death is an issue that most people do not like discussing, so many small and medium-sized businesses do not have detailed succession plans, and key person life insurance remains an unresolved issue. It is a discussion that helps your company survive the difficult times that can follow the death of a key person.

What is Key Person Life Insurance?

Key man life insurance protects a business from economic loss relating to the death of a key employee. The company buys the insurance, owns the policy, and is the beneficiary of the policy in the event of the sudden death of the insured. Payment from the insurance company to the business is a lump sum, and there are no restrictions on how the company can use the money. Most companies use the money to stabilize the business until they find the key person’s replacement.

Types of Key man Life Insurance

Businesses gravitate to two kinds of policies for key employee life insurance.

Term Life Insurance. Startups favor this type of policy. Startups always try to conserve cash, term life insurance is cheaper than any other kind of personal life insurance.

Policies that build cash value. Whole life or universal life insurance builds cash value that increases the cash value of the policy and is an asset on the company’s book. The company can get access to the excess cash value of the policy at any time for any purpose since the money from the cash buildup belongs to them.

Life insurance premiums vary between companies and smart companies comparison shop for the best insurance program.

The discussion is uncomfortable, but if you do not have key man insurance, it’s worth talking about.