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...estern Bars • Lounges • Comedy and Piano Bars • Microbreweries • Liquor and Package ...nce program?This program is ideal for bars, lounges, nightclubs, pubs, jazz cl...

...itality Group offers a specialized Bars & Taverns insurance program tailored f...ounts are a good fit for this program?Bars, taverns, nightclubs, lounges, and ...

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.

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 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 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.

... program?This program is ideal for bars, nightclubs, lounges, and venues that ...

Franchise Food operations are among the fastest-growing segments of the restaurant industry. RMS Hospitality Group understands the specialized insurance needs of franchised restaurants and has built a dedicated Franchise Food program to help agents place single-unit and multi-unit franchise risks with confidence. Franchise Food Program Overview The Franchise Food program provides tailored insurance solutions for a broad range of franchised dining establishments. Whether your client runs a single location or a multi-unit system, RMS delivers competitive products and practical risk management support that reflect the compliance-driven, high-turnover nature of the foodservice industry. RMS brings decades of hospitality experience to this program. Our background includes being appointed as a nationwide approved vendor for McDonald's in 1994, a role that helped establish RMS as one of the largest brokers in the segment during that decade. Ideal Accounts and Appetite We write a wide variety of franchised food operations, including: • Quick service restaurants with limited or no seating, counter service, and simple cooking methods (e.g., Subway, Panera Bread, Quiznos, Red Mango) • Fast food chains such as Taco Bell, KFC, and Wendy’s • Franchise restaurants with less than 50% liquor sales, including full-service or waitress-style operations (e.g., Applebee’s, Famous Dave’s, TGI Friday’s) • Family-style and casual dining locations with or without server service (e.g., IHOP, Denny’s, Chipotle) This program is a strong fit for agents with clients expanding franchise footprints or transitioning from independent operations to national systems. Generally not a fit are accounts with majority liquor sales, nightclubs, large entertainment venues, or operations with unusually high cooking or exposure profiles without prior underwriting review. Coverage Highlights and Advantages The Franchise Food Select Program includes a full suite of coverages designed for restaurant exposures: • Workers Compensation • Property • General Liability • Products & Completed Operations • Liquor Liability (eligible restaurants with less than 50% liquor sales) • Excess Liability Policies focus on the day-to-day risks restaurants face—from slip-and-fall and foodborne illness claims to liquor liability and property damage—with program wording and limits suited to franchised operations. Underwriting Notes and Minimum Premiums Underwriting considers location, unit count, revenue, cooking operations, loss history, and franchise standards. Minimum premiums vary by state, size, and risk profile; RMS underwriters are available to help structure coverage that meets operational requirements and budget constraints. Territories and Availability This program is available in all 50 states and Washington, DC. RMS can provide consistent placement and program continuity whether your client is opening a single site or expanding a regional footprint. Why Work With RMS Hospitality Group? As a Managing General Agency focused on hospitality, RMS combines deep industry knowledge, long-standing carrier relationships, and practical risk management resources. Agents benefit from specialized underwriting, responsive support, and market access that generalist brokers may not offer. Example scenarios you can place through this program: • A franchisee opening three quick-service units in a regional rollout who needs property, liability, workers' comp, and excess limits under coordinated policies. • A single-unit franchise converting from independent ownership to a national brand seeking tailored general liability and product liability coverage and advice on liquor liability exposures. If you need help placing a franchise restaurant account, RMS Hospitality Group provides market access and underwriting expertise to move the submission efficiently. Connect with a market specialist. Frequently Asked Questions What types of accounts are a good fit for this program?We specialize in franchised food operations such as quick service restaurants, fast food chains, and family-style or casual dining locations with less than 50% liquor sales. Can this program handle multi-location franchise operations?Yes. The program supports single-unit and multi-unit franchise operations and offers scalable coverage solutions as clients grow. Is liquor liability included in the coverage?Yes. Liquor liability is available for eligible restaurants that maintain less than 50% of revenue from liquor sales. What states is the program available in?The Franchise Food program is available in all 50 states and Washington, DC. What carriers are used in this program?RMS works with various carriers to align a client’s risk profile with competitive and comprehensive options; carrier selection is made based on the specific submission. Need help placing an account? Connect with a market specialist.