RMS Hospitality Group

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  • RMS Hospitality Group

    About Us:

    RMS Hospitality Group (RMS-HG), is the specialized program division of RMS Insurance Brokerage, LLC. With over twenty (20) years’ experience as a Program Administrator, we are pleased to present our exclusive insurance program for your Hospitality Industry clientele with an A.M. Best Rated “A+” XV Insurance Company. A platform like no other in the Hospitality Insurance Industry, RMS-HG provides a solution to the insurance agent/broker community for hospitality risks with an Insurance Program that offers comprehensive and flexible coverage forms at competitive premiums. At RMS-HG, we are hospitality risk management specialists with a national reach bringing expertise in underwriting higher-risk business to a wide range of entities:

    • Nightclubs
    • Adult Nightclubs
    • Live Music Venues
    • Bars & Taverns
    • Comedy Clubs
    • Dueling Piano Bars
    • Restaurants

    Additional Agent/Broker Benefits:

    • Dedicated underwriting team that has decades of experience underwriting nationwide nightclubs, music venues, adult nightclubs, sports bars, comedy clubs, etc.
    • No channel conflicts with insurance company branch offices or agent/brokers/wholesalers presenting the same market to your clients. Access is exclusive with RMS-HG.
    • RMS/HG has a team of “in-house” attorneys with expertise in Liquor Liability (i.e. Dram-shop) and Assault & Battery cases. Our legal team keeps abreast of the constant changes in each state.
    • RMS wholly-owned TPA is HG Adjusters. Our dedicated team of adjusters fight frivolous claims for you and your clients, keeping your clients claims reserves in line to reflect a proper loss picture. Our special investigations unit also monitors claims for fraud. www.hgadjusters.com.
    • Our sister company SKOPENOW, LLC scours the internet for the claimants “social media footprint” as part of our potential fraud investigation. www.skopenow.com.

    COVERAGE HIGHLIGHTS INCLUDE:

    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

     

    All States except:

    Alaska, Vermont, W. Virginia

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