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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.

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.

The hospitality industry presents distinct risks that require specialized insurance solutions. At Worldwide Facilities, LLC, our Hospitality Insurance Program is a non-admitted solution designed to help retail agents and brokers place higher-exposure hospitality accounts. Whether you are placing an urban nightclub, a casino, or a family-run motel, we provide tailored risk management guidance and access to specialty carriers to help protect guests, employees, operations, and property. Backed by years of underwriting experience in hospitality, this program helps agents secure competitive terms for accounts that may be difficult to place in standard markets. We focus on accounts with elevated liability exposures, alcohol risk, live entertainment, or complex property and business interruption issues. Ideal Accounts and Target Classes We concentrate on hospitality operations that face greater-than-average exposures or that need nuanced underwriting. Typical target classes include: Bars and Taverns Casinos Hotels and Motels Nightclubs Restaurants This program is a strong fit for late-night venues with live entertainment, restaurants with significant alcohol sales, multi-location motel portfolios with prior losses, or properties with complex property and BI exposures. It is less competitive for very small, low-exposure operations that standard markets will readily accept. Coverage Highlights and Advantages The Hospitality Program offers flexible coverage tailored to hospitality operations. Common coverages include: General Liability Liquor Liability Property Coverage Assault and Battery Equipment Breakdown Business Interruption Because we work with a broad panel of specialty markets, you can access customized solutions for hard-to-place risks — including capacity for higher limits and endorsements suited to hospitality exposures. Underwriting Notes and Submission Tips There is no stated minimum premium; however, the program is intended for moderate to high exposure accounts or risks that standard markets may decline. To improve turnaround, submit clean files that include detailed operations descriptions, percent of alcohol sales, hours of operation, security procedures, occupancy type, square footage, property values, and at least five years of loss history when available. Territories and Availability Worldwide Facilities offers this non-admitted Hospitality Program in most U.S. states. We are 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. Contact us for specific state limitations or regulatory restrictions. Why Work With Worldwide Facilities? As a wholesale broker with deep hospitality expertise, Worldwide Facilities pairs specialized underwriting with strong carrier relationships. Our team collaborates with retail agents to tailor coverage, place complex risks, and provide responsive service. We aim to help you grow your book by offering market access and practical placement guidance for challenging hospitality accounts. Visit us online for additional information. Contact [email protected] Frequently Asked Questions What types of accounts are a good fit for this program?We specialize in hospitality risks such as bars, nightclubs, restaurants, hotels, motels, and casinos — particularly accounts with liquor liability, live entertainment, or higher-than-average exposures. Is this program available nationwide?Yes — the Hospitality Program is available in most U.S. states. Contact Worldwide Facilities for details on state-specific availability and any regulatory restrictions. Does the program offer liquor liability coverage?Yes. Liquor liability is a core component of the program and can be included for eligible hospitality accounts where applicable. What underwriting information is needed for submissions?Provide full operational details, percent of liquor sales, hours and days of operation, security measures, occupancy and square footage, and prior loss history to help ensure a fast and accurate quote. Is there a minimum premium requirement?There is no stated minimum premium. The program is best suited for moderate to high exposure accounts and may not be competitive for very small, low-exposure risks. Need help placing an account? Connect with a market specialist.