RMS Hospitality Group

Specialty Programs

Nightclubs
When you are looking for liability insurance for your nightclub clients, not only do you want a solid product from a reliable carrier for this industry, you want an MGA that will collaborate with you to get submissions on target the first time.RMS Hospitality Group offers superior liability program insurance for nightclubs and other hospitality venues along with risk mitigation and claims services, including investigation assistance to weed out fraudulent claims.
Adult Nightclubs
Adult nightclubs, sometimes called exotic clubs or gentlemen’s clubs, run the gamut from expensive venues with cover charges and valet parking to neighborhood bars with side entertainment. Depending on clientele, location, operating hours, security operations and other factors of each particular club, exposures to liability claims differ. You need an underwriter who is familiar with the wide range of club styles and hazards in this industry so your client can be placed quickly in a fairly priced hospitality insurance program.
Live Music Venue
Live music clubs and other venues are rife with hazards not immediately perceptible to the average insurance agent. That’s why working with a specialist in the hospitality program insurance niche can save your clients more than just money – it can save them from financially disabling losses.RMS Hospitality Group offers superior liability program insurance for live music halls and clubs as well as other hospitality venues. We couple our products with risk mitigation and claims services, including investigation assistance to identify and shut down fraudulent claims. We provide commercial liability insurance for clubs with live music, dance floors, bars, food service, valet parking and all sorts of entertainment.
Lounges
Getting away from the rat race or sealing a deal over drinks—tens of millions of people have taken a break from the fast pace of the workday or made an opportunity to meet new friends in American lounges. To create and sustain that relaxed atmosphere, your clients rely on solid insurance protection that doesn’t waste a lot of time or money on irrelevant coverages that just drive up price.RMS Hospitality Group provides excellent, targeted, specific program insurance designed for lounges. Our experts have years of experience in the hospitality industry, so your clients can trust that their account is being handled by pros who know this sector’s needs as well as its oddities. A commercial liability program insurance policy from RMS HG goes beyond the provisions of a standard business liability policy, offering coverage for lounges with light live music entertainment, cigar bars, hookah, and light food fare.
Sports Bar
While fans get together to watch their favorite sports on wide-screen TVs and throw back a few drinks, bar owners and managers can enjoy the camaraderie instead of worrying about liability insurance claims. They can, that is, if they are carrying the right kind of business liability insurance.Yes, the rivalries can get heated and some of the calls could make anyone flip out, but with an RMS Hospitality Group insurance program for sports bars, policyholders get the double benefit of an excellent commercial liability insurance policy along with risk management and claims services, which include legal assistance when a claim is filed. We even offer an investigation service to help reveal false or unmerited claims.
Pubs and Taverns
Whether it’s on the urban city block or the small-town main drag, the country’s pubs and taverns still serve as the nation’s after-work watering holes, building community and relationships. From a post-ballgame celebration to karaoke night, these gathering places welcome neighbors and strangers alike for food and relaxation.But how can pub and tavern owners and managers keep their hospitality face-forward while liability hazards loom over their shoulders at all times?The answer is a solid commercial liability insurance program like those offered by RMS Hospitality Group. Our program insurance for pubs and taverns addresses the standard liability concerns confronting this niche restaurant business. We additionally offer value-added services on risk management and claims to make prevention and recovery easier.
Franchise Select
Franchise food is the fastest-growing segment of the restaurant industry, and dominates the rankings among the majority of new franchisors being formed in the fast-casual camp. RMS is poised to assist you in expanding your footprint in this space, excelling in delivering competitive and comprehensive insurance programs to the four primary categories of franchise food sector through our Franchise Select program: Family Style and Casual Dining, Fast Food, Quick Service Restaurants, and Restaurants with Liquor.

Coverages

General Liability
Tired of hunting for an underwriter who understands your clientele and can process your application quickly and competently? Look no further.RMS Hospitality Group specializes in the hospitality niche, offering responsive service, speedy turnaround and intelligent submissions. We spend the time to help you understand what information we need to get a fully completed application, and we work with you on special situations to get the best placement for your clients.
Products Completed Operations
They’ve been fed and served well, but hours or a day later a patron has a reaction to something they consumed at your client’s establishment. Depending on the event, a costly claim for food poisoning or any number of other completed operations could occur. If your hospitality program insurance hasn’t been designed comprehensively, your client could have a painful coverage gap.
Liquor Liability
Alcohol-related lawsuits typically are associated with serious injury or death. These can be very difficult cases, and jurors are often susceptible to subconscious emotional responses to alcohol-related accidents, especially those involving drunk driving.Public awareness over drinking and driving has not translated into a large decline in incidents, and claims against businesses that serve alcohol haven’t decreased meaningfully since the initiation of anti-drunk driving campaigns. Victims or their survivors tend to look to the establishment that served the alcohol for answers or compensation when a loss occurs. A hospitality insurance program from RMS Hospitality Group can help protect restaurants, bars and clubs from financial losses due to liquor liability claims.
Assault & Battery
Not all insurance policies provide coverage for both patron-on-patron violence and agent-on-patron incidents, but at RMS Hospitality Group, our program does. It’s extremely important to have both when you are in the hospitality business since an establishment can be sued by victims of violence both on the premises and off.Assault and battery coverage in our hospitality insurance program may cover bodily injury and property damage arising from certain violent acts and actions by security staff. Without specifically adding assault and battery insurance, your clients could find themselves with a costly gap in coverage.

Mon:	8:00 AM – 6:00 PM
Tue:	8:00 AM – 6:00 PM
Wed:	8:00 AM – 6:00 PM
Thu:	8:00 AM – 6:00 PM
Fri:	8:00 AM – 6:00 PM
Sat:	Closed
Sun:	Closed

RMS Hospitality Group

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Services

Specialty Programs

Nightclubs

Adult Nightclubs

Live Music Venue

Lounges

Sports Bar

Pubs and Taverns

Franchise Select

Coverages

General Liability

Products Completed Operations

Liquor Liability

Assault & Battery

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