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