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RMS Hospitality Group

RMS Hospitality Group



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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

    Download Forms:

  • Acord 125 General Info
  • Acord 126 General Liability
  • Acord 140 Property
  • Acord 131 Excess
  • RMS Sub Broker Agreement
  • RMS HG Supplemental Application
  • RMS Incident Report with Instructions
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    All States except:

    Alaska, Vermont, W. Virginia

    Locations Served : Alaska, Alabama, Arkansas, Arizona, California, Colorado, Connecticut, Washington,D.C., Delaware, Florida, Georgia, Hawaii, Iowa, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Massachusetts, Maryland, Maine, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Jersey, New Mexico, Nevada, New York, Ohio, Oklahoma, Oregon, Pennsylvania, Puerto Rico, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Virgin Islands, Vermont, Washington, Wisconsin, West Virginia, Wyoming