RMS Programs, LLC

10/20/2026

A single incident at a live music venue can lead to costly lawsuits. Live music venues insurance can help address risks like crowd injuries, equipment damage, liquor liability, and event cancellations. Review your coverage to help protect your business.

Read our blog:
https://www.rmsprograms.com/blog/do-live-music-venues-need-event-insurance-every-show/

Discover when live music venues need insurance for each event. Protect guests, artists, and your business. Get expert help now.

10/15/2026

Assault & battery insurance can help protect businesses from certain liability risks arising from allegations of physical altercations or related incidents. Stay prepared for unexpected claims and protect your business.

𝗞𝗲𝘆 𝗣𝗼𝗶𝗻𝘁𝘀:
✔️ Assault & Battery Liability Protection
✔️ Coverage for Eligible Claims
✔️ Added Business Risk Protection

Protect your business from unexpected liability risks. Contact us today at (516) 742-8585 to discuss your assault & battery insurance options!

https://www.rmsprograms.com/coverages/assault-battery/

10/14/2026

A neighborhood bar and grill sends food out two ways. On slow nights, a line cook drives nearby orders in his own car. On busy nights, a delivery app driver picks up the overflow. Bar and restaurant insurance may cover some claims related to those orders, but whether it does depends on the cause of the loss. https://www.rmshg.com/blog/does-bar-and-restaurant-insurance-cover-food-delivery-operations-

10/13/2026

From customer injuries to property damage and advertising claims, businesses face different liability risks by industry. Understanding what affects general liability insurance costs can help you choose the right coverage, manage risks, and protect your business.

Click here to learn more:
https://www.rmsprograms.com/blog/why-general-liability-insurance-cost-varies-by-industry/

Learn why businesses pay more for general liability insurance and how industry risks, claims history, and operations affect costs. Request a quote today.

10/08/2026

Live music venues face risks from property damage, equipment losses, accidents, and liability claims. Live music venues insurance can help protect your business and operations. Stay prepared with coverage designed for your needs. Review your policy and contact us at (516) 742-8585 to discuss your live music venue insurance coverage!

https://www.rmsprograms.com/hospitality-insurance-programs/live-music-venues-concert-insurance/

10/06/2026

Running a sports bar means managing more than game-day excitement. The right sports bar insurance can help protect your business from customer injuries, property damage, alcohol-related claims, equipment breakdowns, and other unexpected risks.

Read the full blog:
https://www.rmsprograms.com/blog/ready-for-kickoff-sports-bar-insurance-risks/

What insurance risks should sports bars review before football season? Learn key exposures and coverage considerations. Get prepared today.

10/01/2026

The right property insurance can help protect your building, equipment, inventory, and other business assets from covered property damage and losses. Stay prepared for unexpected risks.

𝗞𝗲𝘆 𝗣𝗼𝗶𝗻𝘁𝘀:
✔️ Building Protection
✔️ Equipment & Inventory Coverage
✔️ Covered Property Loss Protection
Protect what you’ve built. Contact us today at (516) 742-8585 to discuss your property insurance options!

Click here: https://www.rmsprograms.com/property-insurance/

09/30/2026

A jazz club’s liquor liability policy may not cover a pop-up bar at a festival. Before the next event, agents placing insurance for jazz clubs should check whether the policy covers the off-site location and review applicable exclusions and conditions.

Consider a jazz club that has carried the same liquor liability policy for three years without a claim. Last fall, the owner started running a pop-up bar at a jazz festival across town. A festival patron who drank at the pop-up causes a crash on the way home, and the injured driver sues. The owner a...

09/29/2026

The first snowfall of the season doesn't stay outside a bar. Patrons carry it in on their boots, and on a busy night, the floor inside the door can end up wetter than the shoveled sidewalk. For agents who place bar and tavern insurance, the weeks before the first freeze are a natural time to talk with clients about how winter changes slip-and-fall exposure, from the parking lot to the bar rail.

The first snowfall of the season doesn't stay outside a bar. Patrons carry it in on their boots, and on a busy night, the floor inside the door can end up wetter than the shoveled sidewalk. For agents who place bar and tavern insurance, the weeks before the first freeze are a natural time to talk wi...

09/28/2026

Comedy clubs involve more than what happens on stage. From serving drinks to managing crowds, employee duties can create varied workers’ compensation exposures throughout a show.

On paper, a comedy club can look like a simple entertainment account: a stage, a microphone, and a room full of seats. Behind the show, employees pour drinks, carry plates, move furniture, manage crowds, and clean up after the last set. Running a comedy club creates workers' compensation exposures t...