https://completemarkets.com/company/RMSHospitalityGroup/dueling-piano-bars/
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
Overview of the Program From RMS Hospitality Group
RMS Hospitality Group specializes in insurance solutions for nightlife and entertainment venues, offering agents and brokers access to tailored programs that address high-risk exposures. Their Dueling Piano Bars program is designed specifically for venues that combine live music, alcohol service, and audience participation — elements that require nuanced underwriting and coverage structures. RMS works with various carriers to deliver broad coverage options in most states on a non-admitted basis, providing flexibility and expertise in this niche.
Ideal Accounts and Appetite
The Dueling Piano Bars program is ideal for establishments that feature live piano shows with audience interaction, often accompanied by full-service bars and late-night hours. These venues typically include:
Standalone dueling piano bars
Bars and lounges with live piano entertainment
Nightlife venues with high foot traffic and liquor sales
You might have a client who owns a downtown piano bar with nightly performances and a full drink menu — a perfect fit for this program. RMS understands the unique claims exposures such venues face, including liquor liability, assault and battery, and property damage.
Coverage Highlights and Advantages
Key coverages available through this program include:
General Liability with $2M aggregate limit
Liquor Liability up to $1M
Assault & Battery coverage available up to $1M
Excess limits up to $5M
Fire Damage Limit – $100,000 per fire
Hired/Non-Owned Auto Liability
Medical expense coverage is excluded, which aligns with the higher-risk nature of these venues. This program is built to handle the specific liability scenarios that come with entertaining, serving alcohol, and operating in high-traffic nightlife environments.
Underwriting Notes and Minimum Premiums
Minimum premiums vary by account and location. RMS Hospitality Group underwrites each submission carefully, with attention to operational controls such as security measures, incident logs, and liquor service protocols. Accounts with strong risk management practices are preferred.
Territories and Availability
This program is available in most U.S. states on a non-admitted basis. Coverage is not currently offered in Alaska, Vermont, or West Virginia. RMS works with various markets to ensure coverage availability in the following states: 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, and DC.
Why Work With RMS Hospitality Group
RMS Hospitality Group is a Managing General Agency (MGA) with deep expertise in the hospitality and nightlife sectors. Their underwriting team is experienced in evaluating entertainment venues and understands the challenges agents face when placing complex risks. By offering access to multiple carriers and customized coverage solutions, RMS helps you deliver value to your clients while streamlining the placement process.
Frequently Asked Questions