Category: Hospitality and Liquor

Hospitality and Liquor
// June 8, 2020

Reading Time: 2 minutes

Whether through curbside pickup, delivery, takeout or, in some states, dine-in service, local bars and restaurants are doing their best to stay in operation during this time. If open, they may have limited hours, capacity and staff and need to adhere to a whole new set of state-mandated guidelines. These changes can be difficult to…

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Hospitality and Liquor
// March 5, 2020

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Think about the liquor laws in your state, surrounding states, states you write business in or even states you have visited. Every state has its own very specific set of liquor liability laws — some dating back to prohibition. Each state is especially different when it comes to how, when and where you can purchase…

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Hospitality and Liquor
// December 5, 2019

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As reported by the National Center for Charitable Statistics (NCCS), there are more than 1.5 million nonprofit organizations registered in the U.S. in 2019. This figure includes public charities, private foundations, chambers of commerce, fraternal organizations, civic leagues and many others. Nonprofits, for-profits and other businesses are already planning for a busy 2020. Many of…

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Hospitality and Liquor
// September 5, 2019

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Sales are dropping for some of America’s largest beer producers — so who is keeping the beer industry afloat? In a slightly down beer market, small and independent breweries saw growth in 2018. According to the Brewers Association, the craft beer market grew to $27.6 billion last year, which was a 7% increase from 2017…

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Hospitality and Liquor
// June 6, 2019

Reading Time: 3 minutes

In 2018, alcohol sales in the U.S. reached an astonishing $253.8 billion (The Drinks Business). This was a $12.4 billion increase from 2017. Aside from a lot of zeros, these figures mean a huge opportunity for the liquor liability insurance industry. Anyone in the business of selling, serving or distributing alcohol has a need for…

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Hospitality and Liquor
// March 7, 2019

Reading Time: 3 minutes

According to Eventbrite, three out of four millennials (a third of the U.S. population) would rather spend their money on an experience than buying something desirable. The latest generation is more demanding of the quality of an event. They are searching for moments, memories and unique activities. This need for fresh and exciting experiences will…

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Hospitality and Liquor
// December 6, 2018

Reading Time: 3 minutes

Liquor liability losses are significantly different from typical general liability losses. General liability losses often involve slip and falls or food poisoning, which result in low payouts and relatively high frequency. Liquor liability losses are the reverse. Significant injuries and even death can result from the auto accidents allegedly caused by over service of alcohol….

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Hospitality and Liquor
// September 6, 2018

Reading Time: 2 minutes

Bar and restaurant sales in the U.S. were close to $800 billion in 2017 (The National Restaurant Association’s 2017 State of the Industry Report). With over 1 million establishments in the U.S. alone, this industry makes up 10 percent of the overall workforce. In addition, there has been increased growth in brewpub establishments that focus…

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Hospitality and Liquor
// June 7, 2018

Reading Time: 3 minutes

According to Statista, fast food sales in the U.S. were close to $200 billion in 2017. There are over 250,000 establishments, and the industry is anticipated to grow by 3 percent in 2018. There has also been a surge in healthier fast food alternatives such as Honeygrow, Noodles & Company, Zoe’s Kitchen and numerous juice…

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Hospitality and Liquor
// March 8, 2018

Reading Time: 3 minutes

Spring is soon upon us and the season for special events, particularly weddings, is fast approaching. Many of you, our valued customers, are aware that USLI offers special event coverage for event hosts and sponsors, but you may not be aware that special event coverage is also available for vendors at events, including off-premises caterers….

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Hospitality and Liquor
// December 6, 2017

Reading Time: 3 minutes

Fraternal clubs (American Legion, VFW, Hibernians, Elks, Moose, etc.) and sports clubs (golf, tennis, etc.) differ from restaurants and bars open to the general public because they have restricted admission policies. Club members form a community that has greater concern for fellow attendees and less of a profit motive for service staff leading to over-service….

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Hospitality and Liquor
// June 6, 2017

Reading Time: 3 minutes

In the aggregate, special events policies can be a significant contributor to your top line growth. Your customers have plenty of significant events and rely on you for coverage: christenings, first communions, bar/bat mitzvahs, graduations, weddings, retirements and many other life events in between. The problem has always been that most special event policies involve…

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