RMS Hospitality Group offers a specialized insurance program tailored to the unique risks associated with comedy clubs. As a Managing General Agency with extensive experience in the hospitality sector, RMS understands the challenges venues face — from liquor liability and assault & battery exposures to property damage and customer safety. This program is designed for agents and brokers looking to place business for clients who operate live entertainment venues with a primary focus on stand-up comedy and related performances.
Ideal Accounts and Appetite
This program is ideal for standalone comedy clubs, venues that feature comedy as part of their regular entertainment lineup, and establishments that serve alcohol during performances. Whether your client operates a small urban venue or a larger regional club with multiple shows per week, RMS Hospitality Group can help you secure the right coverage.
Accounts that typically fit well include:
- Comedy clubs with full bar service
- Venues hosting touring comedians or open mic nights
- Clubs with bouncer or security presence
- Locations with ticketed events and seating capacity controls
Coverage Highlights and Advantages
The program provides robust coverage specific to the hospitality and entertainment industry. Key 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 Details and Minimum Premiums
Minimum premiums vary depending on the size, location, and risk profile of the venue. RMS Hospitality Group works with various carriers to provide flexible underwriting solutions. Submission requirements may include details on crowd control, security measures, alcohol service protocols, and loss history.
Territorial Availability
This program is available in most U.S. states except Alaska, Vermont, and West Virginia. Coverage is offered on a non-admitted basis in most jurisdictions, allowing flexibility in underwriting and risk placement. States served include but are not limited to CA, TX, NY, FL, IL, and WA.
Why Work With RMS Hospitality Group?
RMS Hospitality Group specializes in placing coverage for nightlife, hospitality, and live entertainment venues. Their deep understanding of the industry allows them to provide tailored solutions and responsive service to insurance agents and brokers. Whether you're working with a seasoned comedy club operator or a new venue opening its doors, RMS can help you navigate the complexities of coverage, risk management, and carrier access.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Comedy clubs with live performances, alcohol service, security staff, and crowd control protocols are ideal candidates. Both standalone venues and mixed-use entertainment spaces are considered.
Is liquor liability included in this program?
Yes, liquor liability coverage is included up to $1,000,000, making this program well-suited for venues that serve alcohol during events.
Are assault and battery claims covered?
Yes, assault and battery coverage is available up to $1,000,000, subject to underwriting approval and specific risk factors.
In which states is this program not available?
This program is not available in Alaska, Vermont, and West Virginia. It is offered in most other states across the U.S.
What carriers does RMS Hospitality Group work with?
RMS works with various carriers to provide flexible and competitive options. Carrier selection depends on the specific risk and underwriting criteria.
Need help placing an account? Connect with a market specialist.