Search CompleteMarkets

Liquor Liability Insurance Insurance Markets Agency, Inc. offers a focused Liquor Liability Insurance program for businesses that manufacture, sell, serve, or distribute alcoholic beverages. Built for agents and brokers placing small- to mid-sized risks, this program delivers flexible underwriting, competitive pricing, and access to non-admitted markets. Coverage is currently available in Pennsylvania (PA) and New Jersey (NJ). Overview As a Managing General Agency, Insurance Markets Agency, Inc. works with multiple carriers to place liquor liability exposures that need non-admitted capacity and more flexible terms. The program is intended for accounts with generally clean loss histories and predictable operations. Minimum premiums vary by class and risk characteristics. Ideal Accounts and Appetite We target common alcohol-exposed classes where liquor liability is a primary exposure: Bars and taverns — on-premises accounts with alcohol sales up to $500,000, preferably with no liquor-related losses or violations in the last five years and limited drink specials or youthful clientele. Restaurants — dine-in and full-service restaurants with alcohol sales up to $1,000,000, clean five-year histories, and moderate drink promotions. Retail stores — liquor and convenience stores or distributors with off-premises sales up to $2.5M; multi-location accounts considered with a receipts breakout; aggregate per-location endorsement included. Nonprofit, fraternal, and social clubs — “Club Select” product for nonprofits with alcohol sales up to $500,000, no recent violations, and limited entertainment (banquet events preferred). Other eligible classes — banquet halls, country clubs, BYOB restaurants, off-premises caterers, bartending services, concessionaires, vineyards, and breweries. Coverage Highlights and Advantages This program emphasizes practical coverages and placement speed for routine liquor liability needs: Non-admitted placement for flexibility on unusual underwriting features. Aggregate per-location endorsement available for multi-site retail exposures. Automatic inclusion of club members as insureds on qualifying policies. Responsive MGA underwriting to get quotes and bind accounts quickly. Underwriting Notes and Minimum Premiums Preferred submissions have no liquor-related claims or regulatory violations in the past five years. Account characteristics that improve placement include professional staff training, clear ID/age-check policies, limited happy hours or drink promotions, and stable operating hours. Minimum premiums vary by class and carrier — confirm current minimums with an Insurance Markets Agency underwriter at submission. Territories and Availability This Liquor Liability program is offered in Pennsylvania (PA) and New Jersey (NJ) only. We are actively seeking appointed agents and brokers with clients in these states. Why Work With Insurance Markets Agency, Inc.? Insurance Markets Agency brings decades of specialty insurance experience and dedicated liquor liability underwriting. Working with us gives you: Access to non-admitted markets when standard markets are limited. Flexible approaches for multi-location retail accounts and club operations. A responsive team experienced in placing local bars, restaurants, and social clubs. Example accounts that often fit You might have a neighborhood pub with $350K in annual alcohol sales, clean loss history, and limited promotions — or a mid-scale bistro with $750K in alcohol receipts and a full-service bar. Both are representative risks this program is designed to place. For more information on our Liquor Liability Insurance or other products from Insurance Markets Agency, Inc., contact our team at 570-586-1471. Frequently Asked Questions What types of accounts are a good fit for this Liquor Liability program? Small- to mid-sized bars, taverns, restaurants, retail liquor stores, and nonprofit clubs with clean loss histories and moderate alcohol sales are primary targets for this program. Are multi-location risks eligible for coverage? Yes. Multi-location retail accounts are considered when you provide a breakdown of alcohol receipts by location; an aggregate per-location endorsement can be included. Is this program written on an admitted or non-admitted basis? This program is written on a non-admitted basis to allow greater underwriting flexibility for unique or higher-limit exposures. What states is this program available in? Coverage is currently available in Pennsylvania (PA) and New Jersey (NJ). Can nonprofit social clubs be covered under this program? Yes. The Club Select product is designed for nonprofit private, fraternal, and social clubs with modest alcohol sales, no recent violations, and limited entertainment. Need help placing an account? Connect with a market specialist.

Overview J.M. Wilson Corp. offers a Commercial Umbrella Insurance program designed to expand liability limits and provide broader excess coverage for a wide range of small-to-medium commercial classes. As a Managing General Agency and Excess & Surplus (E&S) broker, we place excess and umbrella limits with both admitted and non-admitted markets to give agents flexible placement options for their clients. Target Classes and Ideal Accounts Below is a sampling of classes we routinely place on this program. These accounts typically fit when the underlying liability program is standard and loss history is acceptable: Apartment buildings Bakeries Beauty shop supplies distributors Beverage stores Cable TV companies Car washes Caterers Clubs Computer and electronics stores Department / discount stores Food and drink distributors Drywall installation Florists & gift shops Golf courses / driving ranges Hardware stores Hotels & motels Janitorial services Laundries & dry cleaners Lawn care services / contractors Masonry Meat, fish, poultry, seafood stores Nail salons Paving — sidewalks / parking / drives Paint / wall covering stores Photographers Pet stores Plumbing contractors Restaurants Video stores and theatres Coverage Highlights and Advantages Limits available up to $20,000,000 to meet higher-limit requirements for premises, products, auto and other liability exposures. Placement options include both admitted and non-admitted markets depending on state and class, allowing more flexibility where admitted forms aren’t required. Excess/umbrella placements with adjustable attachment points and the ability to consider deletion of a Self-Insured Retention (SIR) where markets permit. Competitive minimum premium structure for smaller accounts: $1,250 minimum premium for the initial $1,000,000 of limit $1,000 minimum premium per additional $1,000,000 of limit Typical minimum attachment points often $1,000,000 primary / $2,000,000 excess for lower-hazard classes (subject to underwriting) Underwriting Appetite and Restrictions Underwriters prefer accounts with class-appropriate operations, stable or improving loss histories, and standard underlying limits and endorsements. The program favors low- to medium-hazard retail, service, hospitality, and light contracting risks listed above. Generally not a fit: accounts with severe or repeated liability losses, significant professional or pollution exposures, or operations that require specialized excess capacity (heavy industry, high-hazard manufacturing) unless underwriting reviews and approves placement options first. Sample Accounts (Agent View) Small regional motel seeking $5M excess over a $1M primary — the umbrella can provide a clean excess layer with broader limits for premises liability and guest exposures. Landscaping contractor with conservative loss history that needs higher aggregate limits for general and auto liability — the program can offer $1M+ excess limits and alternative attachment structures. Territories and Availability This program is available in: GA, IL, IN, KS, KY, MI, MS, MO, NC, OH, PA, SC, TN, VA, WV and WI. Admitted versus non-admitted placement depends on the state, class and carrier appetite. Why Place Commercial Umbrella with J.M. Wilson Market access: we represent a number of admitted and non-admitted carriers, giving producers flexibility to place accounts that need admitted forms or E&S capacity. MGA & E&S expertise: focused underwriting for umbrella/excess placements with experience handling layered liability structures. Streamlined quoting: a focused appetite and clear minimums help agents get quick indications on common small-to-mid sized commercial risks. Underwriting Notes and Submission Tips Include current underlying liability declarations pages and forms so we can confirm attachment points and coverage consistency. Provide 3–5 years of loss history when available; include explanations for any losses to speed placement. Describe operations, annual payroll/sales and vehicle exposures for contractors and service accounts. If you need deletion of an SIR or unusual attachment points, flag that on submission so underwriting can evaluate markets early in the process. Frequently Asked Questions What types of accounts are a good fit for this Commercial Umbrella program?Retail, hospitality, light contractors, service and distribution classes with standard underlying programs and acceptable loss histories are the primary appetite. The program is designed for small- to mid-size commercial risks that need higher liability limits. What limits and attachment points are available?Limits are available up to $20,000,000. Typical minimum attachment points for lower-hazard classes are $1,000,000 primary / $2,000,000 excess, but underwriting will consider other structures based on the account. Minimum premium guidelines apply for each layer. Which states does this program serve?The program is available in GA, IL, IN, KS, KY, MI, MS, MO, NC, OH, PA, SC, TN, VA, WV and WI. Coverage options and admitted vs. non-admitted availability depend on the state and carrier. Is coverage placed admitted or non-admitted?We work with both admitted and non-admitted markets. The placement method depends on the class, state regulation, and the carrier selected by underwriting. What information should I include with a submission?At minimum provide current underlying declarations pages, loss runs (preferably 3–5 years), a description of operations, and exposure details (payroll, sales, vehicles). For contractors or hospitality accounts, include any contracts or risk-transfer requirements. Need help placing an account? Connect with a market specialist.

Liquor Liability Coverage from Bailey Special Risks Bailey Special Risks, Inc. offers a Liquor Liability program built for agents and brokers who need flexible, practical placement options for hospitality and alcohol-related accounts. Written on a non-admitted basis through United States Liability Insurance Group, the program combines experienced underwriting with competitive limits and fast turnaround to help you place bars, restaurants, package stores and distributors that need third-party liability protection tied to alcohol sales or service. Ideal Accounts and Appetite This program fits a wide range of liquor exposures, including: Bars and taverns Nightclubs (standard operations; after-hours establishments with special licenses are excluded) Restaurants that serve alcohol Liquor stores and retail package shops Wholesalers and beverage distributors Bailey Special Risks will review most liquor-related operations. Typical declines include locations that allow employees to consume alcohol while on duty or businesses that operate under special after-hours permits. If your client runs a neighborhood bar, a full-service restaurant with alcohol sales, or a retail package store, this program is likely a strong candidate for placement. Coverage Highlights and Advantages Limits available up to $1,000,000 each common cause / aggregate Coverage tailored for both retail and wholesale alcohol operations Access to an experienced market—United States Liability Insurance Group—on a non-admitted paper Responsive underwriting and efficient turnaround to help close submissions faster Examples of accounts that typically place well: a 120-seat neighborhood bar with a clean loss history and trained staff, or a regional liquor distributor with documented delivery controls and employee screening. In both cases, underwriting focuses on service practices, hours of operation, controls for over-service, and prior loss experience. Underwriting Notes Submissions are evaluated on a case-by-case basis. Underwriters consider operations, hours of service, loss history, management practices, and risk controls such as staff training, ID checks, security and incident reporting. There is no published minimum premium; pricing is driven by class, exposures, limits requested, and individual account characteristics. Prohibited exposures include on-duty employee consumption and after-hours operations under special licenses. Territories and Availability This Liquor Liability program is available in AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MS, MO, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WV, and WY. If your client is located in one of these states, Bailey Special Risks can assist with placement and policy options. Why Work with Bailey Special Risks? As a wholesale broker with focused experience in specialty and high-exposure classes, Bailey Special Risks provides strong market access and practical underwriting for liquor-related accounts. Their partnership with United States Liability Insurance Group delivers capacity and stability on a non-admitted basis, while the firm’s agent-focused service model emphasizes quick response, clear guidelines, and hands-on support for complex submissions. Use this program when you need an experienced partner to place liquor liability risks that fall outside standard admitted markets. Frequently Asked Questions What types of accounts are a good fit for this Liquor Liability program?This program is ideal for bars, taverns, restaurants that serve alcohol, liquor stores, and both retail and wholesale alcohol distributors. Are there any types of risks that won't be considered?Yes. Risks that allow employees to drink on the job or operate as after-hours establishments with special licenses are not eligible. Is the coverage admitted or non-admitted?This Liquor Liability program is written on a non-admitted basis through United States Liability Insurance Group. What are the coverage limits available?Limits are available up to $1 million each common cause/aggregate. In which states is the program available?The program is available in AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MS, MO, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WV, and WY. Need help placing an account? Connect with a market specialist.

...issues, or events where underage drinking is uncontrolled should be reviewed w...

With more than 25 years of industry experience, Axiom Insurance Managers Agency, LLC offers a dedicated Fine Dining Restaurant Insurance program built for upscale dining operations. Whether your client runs a white-tablecloth steakhouse, a high-end bistro with an extensive wine list, or a destination restaurant with valet and limited live music, Axiom provides tailored coverage and flexible underwriting to match those specialty exposures. Ideal Accounts and Appetite This program targets fine dining establishments that maintain elevated food and service standards and operate in a controlled environment. Typical classes we consider include: Fine dining restaurants White-tablecloth establishments Steakhouses Axiom will consider locations serving up to 65% liquor by revenue when a curated wine list and responsible alcohol controls are in place. Limited live entertainment such as acoustic acts, jazz trios, or similar performances is allowed up to twice per week with appropriate controls. Example fits: you might have a high-end steakhouse with valet parking and occasional acoustic music or a boutique bistro with a prominent sommelier program. With documented controls and standard risk management practices, these accounts are typically well-aligned with Axiom’s appetite. Coverage Highlights and Advantages Axiom’s program combines broad liability limits with hospitality-specific options to address common exposures in fine dining operations. General Liability $1,000,000 Each Occurrence $2,000,000 General Aggregate (excluding Products/Completed Operations) $2,000,000 Products/Completed Operations $2,000,000 Personal & Advertising Injury $500,000 Damage to Premises Rented to You Liquor Liability (Package or Mono-Line) $1,000,000 Each Common Cause $2,000,000 Aggregate (per-location aggregate applies) Optional Coverages Assault & Battery Defense Outside the Limit of Liability Combined Single Limit $1,000,000 Hired & Non-Owned Auto Liability Valet Parking coverage $5,000 Medical Payments (fine dining only) Umbrella/Excess up to $10 million Additional Insureds Employment Practices Liability Property and Business Income (subject to coastal wind exclusions) Food & Beverage Spoilage Equipment Breakdown Underwriting Notes and Minimum Premiums To expedite placement, submissions should include: Signed ACORD applications Three years of currently valued loss runs A completed supplemental application (Axiom’s or another carrier’s) Target pricing or expiring premium Minimum premiums vary by account characteristics and location. Contact Axiom for indicative pricing based on the client’s operations, revenues, and exposures. Territories and Availability The program is offered on a non-admitted basis and is available in the following states: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA, DC, WV, WI, WY. Some state or regional restrictions apply: New York – certain Bronx zip codes are restricted Connecticut – certain New Haven zip codes are restricted Minnesota – certain counties are limited to $100,000/$300,000 liquor liability Why Work With Axiom Insurance Managers Agency, LLC Axiom is a program administrator with deep hospitality underwriting experience and access to multiple markets that understand fine dining risks. Agents benefit from responsive service, flexible terms, and an underwriter who recognizes the operational nuances of upscale restaurants. Use Axiom to place accounts that require specialty appetite, tailored liquor and liability solutions, and optional coverages such as valet and food spoilage. Frequently Asked Questions What types of accounts are a good fit for this program?Upscale restaurants, white-tablecloth establishments, and steakhouses with controlled operations and up to 65% liquor revenue are ideal candidates. Is this program available in all states?The program is available in most states on a non-admitted basis, but some zip codes and counties have restrictions. Contact Axiom to confirm eligibility for a specific location. Can I submit risks with live entertainment?Yes. Live entertainment is acceptable when limited to acoustic acts, trios, or jazz combos no more than twice per week and when appropriate controls are in place. What are the submission requirements?Provide signed ACORDs, three years of currently valued loss runs, a completed supplemental application, and target pricing or expiring premium to start underwriting review. Is liquor liability offered as standalone coverage?Yes. Liquor liability can be written as a mono-line policy or included as part of a packaged solution. Need help placing an account? Connect with a market specialist.

The FastCov Vendors and Exhibitors Insurance program, administered by American Specialty Insurance & Risk Services, provides primary General Liability coverage tailored for vendors, concessionaires, and exhibitors at fairs, festivals, trade shows, and other short-term events. This streamlined solution is built for agents and brokers who need a quick, reliable way to place event-based accounts. The program offers flexible underwriting, broad eligibility across many vendor classes, and an online platform that simplifies quoting and binding for clients who sell or display products on a short-term basis. Program Highlights General Liability and Inland Marine coverage options Admitted coverage through “A” rated carriers Fast online quoting, binding, and certificate issuance Instant COIs at no additional charge Affordable minimum premiums (varies by risk) 24/7 online access for agents Target Classes Eligible Operations (Products Coverage Available) Antique and collectible vendors Arts & crafts vendors Apparel and accessories Face painting and photo booths Food and drink concessionaires Cookware and household goods Souvenir and gift-wrapping booths Lawn and garden equipment sales Sports and camping gear, retail carts Static vehicle displays, game booths, and similar operations Eligible Operations (Products Coverage NOT Available) Auto parts and accessories Candles (selling only) Health and beauty products Fire safety equipment Motorized equipment and vehicles Toys, exercise equipment, and cleaning chemicals Ineligible Operations Alcohol sales Fireworks or haunted attractions Mechanical or inflatable amusements Live animals, medical testing, or tattooing Weapons, motorsports, or on-site installations Underwriting and Availability Coverage is placed with admitted, “A” rated carriers. Minimum premiums and specific terms vary by exposure, product type, and length of the event. The program is available nationwide in all 50 states and Washington, D.C., giving agents a single solution for multi-state event schedules. Why Work With American Specialty American Specialty Insurance & Risk Services is a Managing General Underwriter focused on sports, entertainment, and event-related risk. Through FastCov.com they provide an online platform that lets agents rapidly quote, bind, and issue policies and certificates—helpful when venue requirements require immediate proof of insurance. The program’s strengths are speed, admitted paper, and a streamlined experience for short-term vendors and exhibitors. It is intended to handle the typical exposures of event-based sellers: slip-and-fall, product liability (where available), and property in transit (via Inland Marine options). Typical Account Examples You have a client who sells handmade jewelry and crafts at weekend street fairs across several states — the program can provide product liability and GL for scheduled events with quick certificates for each venue. You place a seasonal food concessionaire who operates at county and state fairs — the program offers short-term GL with admitted carriers and instant COIs so the vendor can comply with booth insurance requirements. Frequently Asked Questions What types of accounts are a good fit for this program?The program is ideal for vendors, exhibitors, and concessionaires participating in short-term events like fairs, festivals, and trade shows. Can I get product liability coverage for my client?Product liability is available for many eligible vendor classes. Some operations may only qualify for general liability without product coverage—check eligibility during quoting. What are the minimum premium requirements?Minimum premiums vary by operation, exposure, and duration. Use the online quoting system or contact underwriting for an accurate minimum for a given account. Are certificates of insurance available instantly?Yes. Once coverage is bound, certificates can typically be generated within minutes at no extra charge. Which states is this program available in?This program is available in all 50 states and Washington, D.C. Need help placing an account? Connect with a market specialist.

...t for a wide range of eating and drinking establishments, including those serv...

Premier Program for Welding Supply and Gas Distributors WDPG Insurance Program offers a comprehensive and specialized insurance solution tailored for welding supply and gas distribution businesses. As a Managing General Underwriter with deep expertise in this niche market, WDPG delivers a trusted, long-term partnership for agents and brokers looking to place business for clients in this complex and high-risk industry. Ideal Accounts and Appetite This program is designed specifically for businesses that distribute welding supplies, industrial gases, and related equipment. Whether your client handles compressed gases, welding tools, safety gear, or operates delivery fleets, this market is built to address their unique exposures. Ideal accounts include: Welding supply distributors Industrial and specialty gas distributors Retailers and wholesalers of welding and gas equipment Operations with cylinder filling, storage, or transportation If you have a client transporting flammable gases or managing bulk storage tanks, this program is built to provide the coverage and risk management they need. Coverage Highlights and Advantages WDPG’s Welding Supply and Gas Distributors Insurance Program includes a broad range of tailored coverages to meet the unique operational risks of this sector: Competitive pricing through the WDPG® group purchasing model Direct bill plan for easier administration Customized, comprehensive coverage options Escaped Gas Protection Endorsement, including hostile fire Failure to Supply and Mis-delivery of Liquid Products coverage Broad Form Pollution coverage New Limited Welding Fume Coverage (available in select states) Unique AD&D benefit available in most states MCS-90 endorsement available FREE online training — access to over 76 training courses These features help protect your clients against a wide range of liabilities, from environmental exposures to logistics challenges. Underwriting Notes and Minimum Premiums There is no minimum premium requirement for this program, making it accessible for accounts of all sizes. Underwriting is handled directly by WDPG's experienced team, with attention to the nuances of the welding and gas industry. Submissions are evaluated for risk factors such as transportation hazards, gas types, and facility safety protocols. Territories and Availability This program is available in most states across the U.S., including but not limited to CA, TX, NY, FL, IL, and PA. It is written on an admitted basis in many jurisdictions, providing added confidence and compliance support. Please confirm specific state availability with WDPG for your client's location. Why Work With WDPG Insurance Program WDPG has built its reputation on deep industry knowledge, long-term market stability, and a commitment to service. Agents and brokers benefit from: Access to a niche program crafted exclusively for this industry Strong carrier backing through Chartis Responsive underwriting and program management Value-added services like training to reduce risk and claims You can rely on WDPG to help you deliver tailored, competitive solutions to your welding and gas distribution clients, whether they’re a regional supplier or a multi-state operation. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for welding supply distributors, industrial gas companies, and businesses involved in the storage, delivery, or retail of welding and gas-related products. Is there a minimum premium to access this program?No, there is no minimum premium, making the program accessible for smaller or growing businesses. What are some unique coverages included in this program?The program offers several specialized coverages such as Escaped Gas Protection, Welding Fume Coverage (in select states), Failure to Supply, and Mis-delivery of Liquid Products coverage. Which states is this program available in?The program is available in most U.S. states, including CA, TX, FL, NY, PA, and many more. Contact WDPG for specifics on your state. Who underwrites this program?The program is underwritten by WDPG Insurance Program with carrier support from Chartis. Need help placing an account? Connect with a market specialist.

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