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Overview — Assurity Life Insurance Company: Hospital Indemnity Assurity Life Insurance Company’s Hospital Indemnity program (Assurity at Work) provides a straightforward hospital cash benefit designed for workplace voluntary programs and individual supplemental coverage. The plan pays a fixed daily benefit for covered inpatient stays, with flexible daily limits and optional riders that let you tailor protection to the client’s needs. Benefits are available in six-month and one-year maximum payment periods and the contract is guaranteed renewable to age 65. Coverage highlights Daily benefit range: $30 to $250 Choice of maximum benefit period: six months or one year No elimination period for injuries; choice of elimination period for sickness Guaranteed renewable to age 65 Interchangeable rider options to expand or customize coverage Riders available Family Rider Annual First Occurrence Hospital Rider Annual Wellness Benefit Rider Emergency Accident Rider Injury Hospital Indemnity Rider Hospital Indemnity Rider Accidental Death, Dismemberment and Paralysis Benefit Rider Outpatient Sickness Rider Intensive Care Unit Rider Private Duty Nurse Rider Surgery and Anesthesia Rider Surgery, Anesthesia and Additional Benefits Rider Ideal accounts and appetite This program is a good fit for: Employers offering voluntary or payroll-deducted supplemental benefits for employees (small to mid-sized groups). Agents placing individual or worksite hospital indemnity policies for clients who need predictable cash assistance during inpatient stays. Clients seeking simple, limited-duration inpatient benefits to help cover deductibles, lost wages, transportation, or incidental out-of-pocket costs related to hospitalization. Not a fit when clients require long-term institutional care, indefinite hospital coverage, or extensive medical expense reimbursement — this product is designed as a daily cash indemnity, not primary medical insurance. Underwriting notes and placement tips Daily benefit selections allow you to match benefit levels to payroll contributions or individual budgets — useful for voluntary worksite programs. No elimination period applies to injuries; sickness elimination periods are selectable, which can help manage pricing for higher risk groups. Benefit periods (six months or one year) limit exposure — make sure buyers understand the maximum payable days per claim period. Riders can broaden appeal (e.g., family coverage, ICU, surgery riders); evaluate which riders improve fit for your client’s population without exceeding budget constraints. Typical declines or restrictions may apply for applicants with recent hospitalizations or ongoing inpatient care needs; submit full medical details with applications to speed decisions. Territories and availability Available in: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Why place this business with Assurity Life Insurance Company Simple, easy-to-explain hospital cash benefits that work well in voluntary worksite programs and individual supplemental placements. Flexible daily limits and multiple riders let you create modular solutions for different employee or consumer segments. Guaranteed renewable to age 65 provides portability and predictable renewal expectations for clients. Designed for fast quoting and straightforward underwriting when complete information is submitted. Agent examples You might have a small employer who wants an affordable voluntary benefit to reduce employee financial stress after an inpatient stay — propose a $75–$150 daily benefit with an ICU rider and family rider to cover dependents. You might place an individual supplemental policy for a client who needs predictable cash to cover hospital coinsurance and transportation costs — select a daily benefit that matches their anticipated out-of-pocket exposure and add an annual first occurrence rider for added peace of mind. Frequently Asked Questions What are the available daily benefit amounts and maximum payment periods?Daily benefits range from $30 to $250. The policy offers maximum benefit periods of six months or one year, so total payable days are limited by the chosen period. Are there elimination periods for injury or sickness?There is no elimination period for covered injuries. For sickness, the policy offers selectable elimination periods — choose the option that best balances client cost and coverage needs. Which riders are most commonly used to expand coverage?Common rider selections include Family Rider, ICU Rider, Surgery and Anesthesia Riders, and Annual First Occurrence Hospital Rider. These let you customize the policy for employee groups or individual preferences. In which states can I place this hospital indemnity product?This program is available in most states listed on the storefront, including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI and WY. Check availability for the specific applicant state before quoting. What types of accounts are a good fit for placement with Assurity?Good fits include small to mid-sized employers offering voluntary worksite benefits and individuals seeking supplemental hospital cash protection. This product is less appropriate for cases needing long-term institutional care or comprehensive medical expense reimbursement. Need help placing an account? Connect with a market specialist.

When you think about placing Nightclub accounts, what matters most to you? A solid product from a reliable carrier and an MGA that works with you to get submissions on track are usually at the top of the list. RMS Hospitality Group’s Nightclub Insurance program was designed with those priorities in mind. 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: • Claims Services • Risk Mitigation • Commercial Liability • Investigation Services • Assault & Battery • Liquor Liability • Excess Liability • Products & Completed Operations Limits of Insurance: • 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 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: • Food service inside nightclubs or venues • DJs and entertainers • Live music venues • Establishments with dance floors and regular large-event operations 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.

Program Overview — Hospitality Insurance from Hospitality Insurance Solutions Hospitality Insurance Solutions offers a focused Hospitality Insurance program designed for hotel, motel and similar lodging operations. As a managing general agency, we place accounts with carriers such as Discover Property and Casualty Insurance Company, providing agents with a one-stop source for property, liability, umbrella, boiler & machinery, and crime coverages tailored to the lodging industry. Why this program? Package or monoline flexibility — bind property, GL, umbrella, B&M and crime together or select only the coverages you need. Market access through financially strong carriers (ratings noted by AM Best and Standard & Poor’s in carrier materials). Underwriting geared to hotel/motel exposures so you can place accounts quickly with hospitality-focused appetite and forms. Coverage highlights No coinsurance on property or business income. Personal property of others included within limits (helps with guest belongings exposures). Building glass included and lost key coverage provided. Earthquake coverage included except in WA, OR, CA and the New Madrid seismic zone. Flood coverage included except in A & V zones or sub-zones. Guest evacuation and relocation coverage to help manage mass-evacuation exposures. General liability with per-location aggregate; liquor liability, employee benefits liability, and hired/non-owned auto available. Umbrella limits up to $200,000,000 available. Boiler & machinery limits to $25,000,000; includes business income, extra expense, service interruption, plus $2,500,000 demolition & increased cost of construction coverage. Crime: employee dishonesty and forgery limits up to $500,000; innkeepers and safe-deposit box liability available. Note: Property coverage is not offered in Florida under this program. Ideal accounts and appetite This program is intended for hotel and motel owners and operators, including but not limited to: limited-service motels, economy and midscale hotels, franchised roadside properties, and smaller independent boutique hotels. Typical accounts we place: Single-location motels or hotels with moderate annual revenue and standard housekeeping and maintenance operations. Properties with on-premise alcohol service (we offer liquor liability where needed). Properties seeking higher umbrella limits or expanded B&M and business interruption protection. Generally not suited: high-rise luxury resorts, properties with significant recreational operations (e.g., large water parks), non-managed condominium hotels, or accounts with significant Habitational conversion issues—submit those for prior review. Underwriting notes Underwriters review occupancy, fire protection, sprinkler status, recent loss history, and management experience. Flood and earthquake have named exceptions in higher-risk zones — see coverage highlights for standard exclusions. Submission should include ACORD applications, current property valuation information, protection class, loss runs, and details on alcohol exposure if applicable. Minimum premiums and binding conditions vary by state and account; contact our underwriting desk for account-specific thresholds and appetite guidance. Territories and availability Available in: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Why place hospitality business with Hospitality Insurance Solutions? MGA expertise — underwriters who understand lodging risks and the documentation agents need to bind quickly. Comprehensive product set — package or pick coverages to match your client’s exposures. Access to competitive limits (including high umbrella and B&M limits) and hospitality-specific endorsements. Responsive placement support — we review submissions and provide clear underwriting feedback to help you close business. Example scenarios: You might have a 75-room roadside motel with standard fire protection and low claims history that needs combined property and GL with liquor liability — this program can often provide packaged solutions. Or a mid-size downtown hotel seeking higher umbrella limits and boiler coverage for its mechanical plant can benefit from the B&M and umbrella capacity offered. Frequently Asked Questions What types of hospitality accounts fit this program?We primarily write hotel and motel owners/operators: limited-service, economy, midscale, franchised roadside properties, and small independent hotels. Large resorts, complex recreational operations, and certain condo-hotels typically require referral. Which coverages are available as a package versus monoline?Property, general liability, umbrella, boiler & machinery, and crime can be bound together as a package or written individually. Packaging often simplifies pricing and claims handling for multi-line exposures. Are earthquake and flood included everywhere?Earthquake is included by default except in WA, OR, CA and the New Madrid area. Flood is included except in A & V zones or sub-zones. Always confirm per-location eligibility during submission and note there is no property coverage in Florida under this program. What do you need to submit for a quoted account?Provide ACORD applications for property and liability, current property valuations, protection class/sprinkler info, five years of loss runs, and details on alcohol exposure or any prior major losses. Underwriting may request additional information depending on the account. Need help placing an account? Connect with a market specialist.

What is Hospitality All-Risk Property Insurance? Hospitality all-risk property insurance is a commercial property policy designed to protect businesses in the hospitality sector from a wide range of physical loss exposures. It typically covers direct damage to buildings, tenant improvements, furniture, fixtures, and equipment, and can be combined with commercial liability or equipment coverage to create a broader protection package. This type of policy is meant to cover most sudden and accidental perils unless specifically excluded. Who needs it Small and mid-sized hospitality operators—restaurants, motels, event venues, clubs, and bed-and-breakfasts—often need all-risk protection because they maintain valuable on-site property and have frequent public exposure. For example, many restaurateurs compare options such as All-Risk Property Insurance for Restaurants when deciding what to include. Motels and lodging operators can find program-specific options like the Motels Insurance Program — Hospitality Coverage that bundle property and liability exposures. Organizations that host events also consider event liability and participant accident coverage alongside property protection. What it typically covers Standard all-risk property insurance commonly includes coverage for the building structure, contents, inventory, and equipment. Many policies also offer add-ons or endorsements for business interruption, spoilage, and ordinance or law coverage. Operators often pair property coverage with commercial liability and commercial auto exposure to address guest injuries, delivery losses, and vehicle-related incidents. Specialized hospitality programs, such as the Preferred Hospitality Program, may provide tailored limits and endorsements for common industry exposures. Risk scenario: a burst water pipe that damages kitchen equipment and forces a temporary closure is a typical property and business interruption claim scenario. Common exclusions or limitations All-risk policies exclude some perils by name—common exclusions include wear and tear, deterioration, intentional acts, certain environmental hazards, and some flood or earthquake losses unless purchased separately. Valuation clauses, coinsurance requirements, and specific sub-limits for equipment or valuable papers can limit recovery. Understanding exclusions and endorsements is an important part of risk management considerations when purchasing coverage. Factors that influence cost Insurers price hospitality property coverage based on location, construction type, fire protection, claim history, occupancy and use, security measures, and the total value of covered property. Underwriting factors such as proximity to fire stations, sprinkler systems, and loss prevention programs can reduce premiums. Adding broader coverages like business interruption or replacing agreed-value endorsements will also increase cost. Proof of insurance & compliance Many landlords, franchisors, municipalities, and event venues require proof of insurance with specific limits and additional insured endorsements. Certificates of insurance and policy endorsements document compliance but review the policy wording to confirm actual coverage. Brokers can issue evidence and help structure coverage to meet contractual obligations. How to get a quote To get an accurate quote, assemble basic information about the property, current insurance, estimated values for building and contents, payroll and gross receipts for business interruption estimates, and any loss-control measures in place. If you prefer to speak directly with a market specialist, talk to your agent who can review coverages and help submit applications. Frequently Asked Questions What does "all-risk" actually mean?All-risk means the policy covers losses from any sudden and accidental cause that is not specifically excluded. Always read the exclusions and endorsements for full details. Do I need separate flood or earthquake coverage?Often yes—flood and earthquake are commonly excluded from standard all-risk property policies and require separate policies or endorsements where offered. Can I add business interruption to an all-risk policy?Yes. Business interruption (income loss) coverage is frequently added to replace lost revenue during a covered physical damage loss, but limits and waiting periods vary by policy. Still have questions? Talk to a local insurance expert.

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 LimitExcluded 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.