Our Blog

28
Jul

What Is Nightclub Insurance & Why Do You Need It?

Because of the unique nature of the business, nightclub owners need to have a good liability insurance policy in place to protect them from a variety of events and accidents. Any place that serves alcohol carries a higher level of risk than venues that do not. Understanding those risks and the role you play in preventing potential accidents is important.

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21
Jul

The Basics of Bar Insurance: Understanding Your Coverage Needs

As the owner of a bar, you are aware that a disaster could happen at any moment. Perhaps one of your employees is having a bad day, and they break some of your equipment or vandalize the property. Perhaps, you sell alcohol at the bar to the wrong patrons at the wrong time. Suddenly, those patrons are involved in an

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14
Jul

Insurable Vs. Uninsurable Intentional Acts: What You Need to Know

Generally, intentional acts that cause damages are not covered by insurance. Many jurisdictions have regulations prohibiting coverage for acts undertaken intentionally, with the intent to cause harm. Society does not promote criminal actions by allowing a wrongdoer to go scot-free. If all intentional bad acts were insurable, that would allow offenders to profit by transferring the financial responsibility for damaging

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7
Jul

Tips to Protect Your Employees from Common Restaurant Injuries

The restaurant business is one of the riskiest businesses due to the physically demanding and high-pressure conditions that are common to these establishments. Workplace injuries can spell severe financial loss for any restaurant owner. Statistics show that an average of 4 workers’ compensation claims are filed annually per restaurant, with the average cost of such claims being about $50,000 per

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24
Jun

How COVID-19 May Impact the Future of Nightlife Entertainment

Enforcing social distancing and other measures because of the coronavirus pandemic has impacted bars and other nightlife entertainment. The fear among many owners is that the damage is irreversible. Eventually, things will return to some normalcy, but will the nightlife entertainment industry ever be the same? COVID-19 has caused significant damage to the nightlife industry due to social distancing guidelines,

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17
Jun

Assessing Limits of Professional Liability Insurance

As an entrepreneur and independent contractor, it’s important to plan for emergencies. Professional liability insurance provides a safety net in the event of a disaster. Before you reach a decision on a coverage, you should think about how high you want your limit of liability insurance to be. Professional liability insurance provides protection if you are sued based on allegations

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10
Jun

How to Reduce Your Restaurant’s Exposure to Foodborne Illness

Foodborne illnesses are serious business. If you own a restaurant, one of your biggest concerns should be limiting your risk of exposure to foodborne illnesses for both your patrons as well as your employees. Doing everything you can to reduce your risk and keep it under control is one of your most important responsibilities as a restaurant owner. It can

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3
Jun

Understanding the Basics of Third-Party Liability Insurance

Third-party liability insurance comes into play when someone who is not associated with your business is injured while on your property. It is also important if a person’s personal possessions are damaged while on your property. When such third parties file a claim against your business, you need to have the right type of policy in place. This is where a third-party

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27
May

Does Your Bar Need Assault & Battery Insurance?

Wondering why your bar would need assault & battery insurance? Your joint is a special place for people that love liquor to socialize or just relax while enjoying their favorite alcoholic drinks. However, when some patrons have had too much to drink, the bar atmosphere can quickly turn chaotic. Even the calmest individuals ever can turn violent when drunk. Any

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COVID-19 UPDATE:

At RMS and associated firms, business continues as usual. Our staff is remote-capable and available to handle all partners, brokers, and insureds at the present time. Contact us today!