Running a bar or nightclub is about more than great music, signature cocktails, and a lively crowd. Behind the scenes, owners face a unique set of risks every single night. From intoxicated patrons to slip-and-fall accidents, the hospitality industry is one of the most claim-heavy sectors in commercial insurance. At RMS Programs, LLC, we work Read More
Franchising offers businesses the opportunity to scale quickly, build brand recognition, and enter new markets with confidence. However, as franchise systems grow, their insurance needs become more complex. What works for a single-location operation often falls short when applied across multiple locations, states, and ownership structures. This is why franchise insurance programs, rather than generic Read More
Retail insurance agents are under increasing pressure to place risks that don’t fit neatly into standard carrier underwriting guidelines. From emerging industries to loss-heavy accounts, today’s market requires flexibility, speed, and expertise. That’s where understanding the difference between an MGA and a standard carrier becomes critical. Knowing when to use a specialty MGA insurance program Read More
Spring marks the start of peak season for many hospitality and restaurant businesses. Outdoor dining returns, foot traffic increases, special events fill calendars, and alcohol sales often rise. While this seasonal boost is great for revenue, it also exposes gaps in hospitality insurance coverage that may have gone unnoticed during slower months. A proactive spring Read More
Sports bars thrive on excitement—big screens, packed crowds, passionate fans, and high-energy game days. While these elements create memorable experiences, they also heighten the risk of accidents and injuries. A common question sports bar owner asks: Can sports bar insurance help if a patron gets injured watching a game? The answer often hinges on whether Read More