Updates

For business owners considering buying a franchise restaurant, whether it’s a baked goods shop or chain of hamburger stops, there are plenty of things to consider. Fast food, or fast-casual dining, is one of the biggest categories when it comes to franchising and can always find a way to turn a p...

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Technology has helped businesses in all industries with streamlining their services and modernizing their operations and customer service. But sometimes technology can get in the way of business, especially when it acts up.

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Food allergies have always been an issue with diners, but in recent years there has been more of an effort to identify and treat them. The number of people with gluten and other allergies has increased immensely, which has resulted in a sharp rise in food allergy-related restaurant insurance claims.

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A restaurant may have an enviable menu, amazing ambiance and a catchy name, but when it comes to customer service nothing else can provide more headaches for both the customer and management staff. According to Consumer Reports, there are myriad complaints that customers claim against restaurants...

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In the world of hospitality, reputation is key. When people are choosing a new restaurant to head to, the move now is to look online. But if a restaurant doesn’t have glowing reviews on sites like Yelp or Google, or even social media platforms, it can deter new customers from coming in.

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Restaurants may be a great place for people to go and eat with friends and family and enjoy a great menu. But they can also be a hotbed for possible lawsuits and costly legal battles. From sharp corners to contaminated food to unsavory acts committed by someone on staff, there are plenty of thing...

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Whether you own and operate a bar or restaurant, café or nightclub, there are many different ways in which your patrons’ well-being could end up having a bad time. Bar fights, arguments, long-term emotional effects, and general safety around the premises of your establishment can all be factors t...

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One of the first reported nightclub tragedies in the United States was reported back in 1801 in Virginia when a meeting hall fire broke out, killing more than 70 people. Flash forward to today and tragedy is still striking with news of nightclub shootings and a steady stream of fights breaking ou...

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Cross-contamination from unsanitary practices in kitchens can be detrimental to any restaurant. From cafes to coffee shops, fast food to elegant dining, all food prep should avoid creating contamination in the kitchen. This can lead to foodborne illnesses which can cause even bigger issues for yo...

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Services

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.

About us

RMS Hospitality Group is the newest national insurance program of RMS Insurance Brokerage, LLC. With over 20 years’ experience, the New York-based insurance company provides insurance brokerage, consulting and insurance underwriting for its clients. RMS HG continues in the tradition of RMS; long known for its insurance expertise, well-trained and dedicated staff and commitment to excellence insurance.

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Contact

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  • (516) 742-8585

Address

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100 Ring Road W 202
Garden City, NY 11530
United States

Business Hours

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
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