RMS Hospitality Group offers a comprehensive restaurant insurance program designed to help insurance agents and brokers place business for a wide range of hospitality clients. Whether your clients operate fast-casual dining establishments, fine dining restaurants, or nightlife venues that serve food and alcohol, this program provides robust coverage options tailored to their unique risks.
Ideal Accounts and Appetite
This program is a strong fit for restaurants and hospitality venues of various sizes and formats, including:
- Full-service restaurants
- Fast-casual dining establishments
- Sports bars and taverns
- Cafés and bistros
- Restaurants with liquor sales
You might have a client who owns a family-style restaurant with live music on weekends or a neighborhood tavern that serves both food and alcohol. These types of risks often face exposures related to liquor liability, slip-and-fall incidents, fire hazards, and customer altercations—all of which can be addressed through this well-structured program.
Coverage Highlights and Advantages
This program includes a broad range of commercial general liability and specialty coverages to help protect your clients’ businesses:
| 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
Minimum premiums vary based on risk characteristics and state, so you can work with RMS Hospitality Group to find a solution that aligns with your client's needs. The program is available on a mostly non-admitted basis, which allows for a greater range of underwriting flexibility—particularly beneficial for higher-risk or unique hospitality operations.
Territories and Availability
The restaurant insurance program is available in most U.S. states, excluding Alaska, Vermont, and West Virginia. Agents can place accounts in high-demand states like CA, TX, NY, FL, and more. Refer to the full list of available states for complete details.
Why Work With RMS Hospitality Group?
RMS Hospitality Group is a Managing General Agency with deep expertise in hospitality and nightlife-related risks. Agents benefit from access to multiple carriers, customized underwriting, and a team that understands the nuances of insuring restaurants, bars, and similar businesses. With a focus on fast turnaround and tailored solutions, RMS supports agents in writing and retaining complex hospitality risks with confidence.
All States except:
Alaska, Vermont, W. Virginia
Frequently Asked Questions
What types of accounts are a good fit for this restaurant insurance program?
This program is ideal for full-service restaurants, fast-casual eateries, bars, taverns, and venues that serve both food and alcohol.
Are liquor liability and assault & battery coverages included?
Yes, both liquor liability and assault & battery coverages are available up to $1,000,000, depending on underwriting approval.
Is this program available on an admitted basis?
Most placements are on a non-admitted basis, allowing for greater flexibility in underwriting and pricing for unique or higher-risk accounts.
What is the minimum premium for this program?
Minimum premiums vary based on state, risk type, and coverage needs. RMS Hospitality Group will work with you to determine appropriate pricing.
In which states is this program not available?
This program is not available in Alaska, Vermont, or West Virginia.
Need help placing an account? Connect with a market specialist.