Overview of the Program from RMS Hospitality Group
RMS Hospitality Group offers a targeted Nightclub Insurance program built for hospitality venues, entertainment spaces, and nightlife operations. As a Managing General Agency, we provide access to admitted and non-admitted capacity through various carriers and focus on practical coverages and aggressive claim management to protect your clients and defend against frivolous or fraudulent claims.
Coverage Highlights
Our Nightclub Insurance program includes broad liability protections and specialized coverages tailored for venues where alcohol service, live entertainment, and large crowds create unique exposures. Coverage highlights include:
Limits of Insurance:
Ideal Accounts and Appetite
This program is aimed at nightclubs and hospitality venues that host DJs, live music, and dance floors, as well as food service operations inside entertainment venues. Typical target classes include:
Accounts that fit best have professional security procedures, clear alcohol-service policies, and loss control measures in place. RMS Hospitality Group is selective: we seek operations with managed crowd control, documented staff training, and reasonable prior loss histories. If a submission isn't a fit, we will let you know quickly to avoid wasting your time.
Underwriting Notes and Minimums
Underwriting focuses on operations, hours of operation, alcohol service practices, security/staffing, and the venue’s entertainment schedule. Common considerations include:
- Whether the venue serves alcohol and the extent of liquor exposure
- Security protocols (bouncers, ID scanning, incident reporting)
- Capacity and types of events (general admission vs. ticketed concerts)
- Prior loss history and any ongoing litigation
Minimum premium: Varies by state and carrier. RMS Hospitality Group evaluates each account individually and will provide guidance on minimums and excess layering when you submit the account.
Territories and Availability
Most available states — RMS Hospitality Group places business in a wide set of jurisdictions. The program is available in the following territories:
AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA, WI, WY, DC
Capacity is provided through Various carriers. Placement may be admitted or non-admitted depending on state availability and the client’s risk profile.
Why Work with RMS Hospitality Group
- Specialized hospitality underwriting and a program geared specifically to nightlife and entertainment risks.
- Claims and investigation services focused on reducing frivolous or fraudulent claims.
- Access to excess capacity up to $5,000,000 for larger exposures.
- A pragmatic underwriting approach: quick feedback if an account is not eligible, and collaborative support to get submissions in proper form.
Example accounts that fit
You might have a downtown nightclub that hosts weekly live bands and DJs, uses licensed security staff, and operates a full bar — a good fit for primary liability with liquor and assault & battery options. Or a multi-room venue with separate dining and dance floor areas that needs products/completed operations plus excess limits for larger events.
If you’d like to learn more about how RMS Hospitality Group’s Nightclub Insurance program can place your clients, submit the details of your account and we’ll respond with next steps.
Frequently Asked Questions
What types of nightclub accounts are a good fit for this program?
Venues with active alcohol service, live entertainment or DJs, established security protocols, and documented loss-prevention practices are ideal. Food-service operations inside entertainment venues also fit well when controls are in place.
What submission information does RMS Hospitality Group need?
Provide a completed application, loss runs (typically 5 years if available), description of security and alcohol-service procedures, average attendance/capacity, and any contracts for entertainment or vendors.
Are assault & battery and liquor liability available?
Yes. Assault & Battery is available up to $1,000,000 and Liquor Liability limits up to $1,000,000 are offered, subject to underwriting and state availability.
How quickly will I hear back on a submission, and how are claims handled?
RMS Hospitality Group aims to provide quick feedback on eligibility and underwriting. The program emphasizes active claims management and investigation services to address and defend questionable claims early.
Need help placing an account? Connect with a market specialist.