Our Blog

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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20
May

5 Basic Insurance Plans That Every Small Business Must Have

As a small business owner, having the right insurance coverage allows you to protect your asset. You need to find coverage that suits the individual needs of your business. Think about the industry that you are involved in, the type of business that you operate, the size of your business, and the amount of risk involved. Figuring out the clear

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13
May

How Can You Maximize Your Workers’ Comp Settlement

Winning your workers’ compensation claim becomes much easier when you are fully prepared. Before you file your claim, make sure that you have fully prepared your case. There are several things you can do to ensure that your case has a successful outcome. You will also be able to maximize your settlement to ensure you have everything you need. Make

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6
May

Weighing the Pros and Cons of Owning a Franchise Restaurant: What You Need to Know

Opening a franchise restaurant can be a very lucrative business if you choose the right one. For the most part, just like every other type of business investment, franchise restaurants have their own share of pros and cons. If you go into it fully prepared and know what to expect, you can handle anything that comes your way. Owning a

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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!