RMS Hospitality Group offers a specialized Bars & Taverns insurance program tailored for establishments that serve alcohol and face unique liability exposures. As a trusted Managing General Agency with access to various carriers, RMS Hospitality Group helps you secure competitive coverage for your hospitality clients in a wide range of states.
Ideal Accounts and Appetite
This program is designed for bars, taverns, lounges, nightclubs, and similar venues that serve alcohol and may offer live entertainment, dancing, or late-night hours. Ideal accounts include:
- Neighborhood bars and sports pubs
- Taverns with food service
- Live music venues
- Nightclubs with security staff
You might have a client with a downtown bar that features live DJs and employs bouncers—this program is built to handle that kind of risk. RMS Hospitality Group understands the nuances of nightlife exposures and provides tailored solutions.
Coverage Highlights and Advantages
Key limits and coverage features include:
| General Aggregate Limit | $2,000,000 |
| Products-Completed Operations Aggregate | $2,000,000 |
| Personal & Advertising Injury | $1,000,000 |
| Each Occurrence Limit | $1,000,000 |
| Liquor Liability Limit | $1,000,000 |
| Fire Damage Limit (Any One Fire) | $100,000 |
| Medical Expense Limit | Excluded |
| Assault & Battery Available Up To | $1,000,000 |
| Excess Limits Available Up To | $5,000,000 |
| Hired/Non-Owned Auto Liability Limit | $1,000,000 |
Underwriting Notes and Minimum Premiums
Underwriting is tailored to address the operational risks of nightlife and hospitality businesses. Assault & Battery coverage is available, an essential component for venues with security or crowd control. Minimum premiums vary based on risk characteristics such as location, operations, and prior loss history. Submission requirements typically include a completed application and loss runs.
Territories and Availability
The Bars & Taverns program is available in most U.S. states. RMS Hospitality Group currently offers this program in all states except Alaska, Vermont, and West Virginia. Admitted status varies by state, and the program is written with various carriers depending on the risk and jurisdiction.
Why Work With RMS Hospitality Group
RMS Hospitality Group brings deep expertise in the hospitality and nightlife sector. Their focused underwriting approach, access to multiple markets, and commitment to responsive service make them a reliable partner for agents and brokers looking to place bars and taverns with confidence. Whether you're dealing with a new venture or an established venue with complex exposures, RMS Hospitality Group can help you find a solution that fits.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Bars, taverns, nightclubs, lounges, and venues that serve alcohol and may feature live entertainment or dancing are strong candidates for this program.
Is Assault & Battery coverage included?
Yes, coverage for Assault & Battery is available up to $1,000,000, depending on underwriting approval.
What states is this program available in?
The program is offered in most states except Alaska, Vermont, and West Virginia. Availability may vary slightly depending on carrier and risk profile.
Are excess limits available?
Yes, excess liability coverage is available up to $5,000,000.
What is the minimum premium for this program?
Minimum premiums vary based on account characteristics such as location, operations, and loss history. Contact RMS Hospitality Group for specific underwriting requirements.
Need help placing an account? Connect with a market specialist.