Getting Your Establishment the Protection it Needs

RMS Hospitality Group

Insurance can be such a hassle to deal with as a business owner or manager. There can be plenty of risks involving locations specializing in hospitality. That is why getting together with a good insurance team that can get you the right policy package can save you more than you think.

What Coverages Should You Consider?

When it comes to insurance, it is much better to be prepared with the right amount of policies than being left paying out of pocket. Therefore, a policy like liquor liability should be a top priority. This coverage comes into play when a patron who was served alcohol on your premises causes property damage or injures themselves. You may even be held liable if they hurt someone else. Liquor liability handles the financial necessities of such a claim.
Another important policy to add to your coverage is a general liability. A policy like this comes in handy for the potential injuries, slips and falls that occur in a setting like hospitality work. You should also make sure your package includes commercial property insurance.

Why Brokers?

Hospitality insurance brokers work for you and not for the needs of a specific agency. RMS Hospitality Group recommends that you meet with insurance experts that can adjust to your specific situation as soon as possible so they can build a plan just for you and at a rate you can afford.

Why Business Supplies Need Insurance

Business supply insurance

Just as a business gets insurance for workers and unemployment, there is also a demand for business supply insurance. Here’s a few reasons why having insurance for supplies is important, even if you’ve never considered it before.

Business Supplies Can Get Damaged or Ruined

Just like anything else, supplies can get ruined through an accident, such as flooding, tornados, or even storms. This can leave the supplies unusable and end up costing a lot of money to get them replaced. Having coverage can prevent these problems from occurring and save a lot of money in the long run.

It Covers More Than Just Paper

Business supply insurance covers more than just paper and pens when it comes to office supplies. This can include printers, fax machines and copiers, computers, and other forms of telecommunications. Considering the cost to have these replaced can add up, this saves money and provides protection should an incident occur. For companies that have a lot of these items to cover, this provides the protection they need.

To protect a company against loss involving business supplies, it’s helpful to have insurance. It can protect the items in a variety of instances and can cover anything from computers to more basic office needs. It’s a helpful plan that can save money no matter what the circumstances.

Four Key Insurance Coverages For Construction Companies

Construction Insurance in Wayne

Are you looking for construction insurance in Wayne, NJ?

If you’ve found it challenging to determine the coverages you need, here are four of the key insurance options that you should be sure to include in your policy.

General Liability

General liability insurance is broad coverage in case a third party suffers bodily injury or property damage because of your business. If a lawsuit is filed against you, your policy will cover the legal fees and any other expenses for which you’re liable.

Professional Liability

Professional liability is for construction companies who are also designers. If your client files a lawsuit claiming that your design didn’t meet their expectations or includes errors, your policy will cover the cost of any legal fees associated with the case.

Pollution Liability

Pollution liability insurance covers you in case a lawsuit is filed against you because your construction activities lead to pollution that caused harm to a third party or their property. Your policy can also be used to purchase items to help mitigate pollution.

Workers’ Compensation

Unlike many other industries, workers’ compensation is a requirement for construction companies. Your policy should cover your employees and any subcontractors you may work with as well.

Plenty of other insurance options exist to keep you covered against the many risks that are inherent to the construction industry. Work with an agent who’s experienced in construction insurance in Wayne, NJ to create the policy that’s perfect for you.

How a Recreational Marine Insurance Wholesaler Can Help You

Recreational Marine Insurance Wholesaler

A recreational marine insurance wholesaler is a broker who works as an intermediary between an insurer and a retail broker. This type of broker will have no contact with the insured party and instead acts as a layer of experience and focused expertise for a retail broker. For instance, a retail broker can offer recreational marine insurance, motorcycle insurance and RV insurance and use a different wholesaler to find the best deals for each type. You can really benefit from dealing with wholesalers because it can open up a variety of niche coverages for your company to offer without having to take the time to develop those skills and relationships yourself.

When you are looking for a recreational marine insurance wholesaler, you will want to look for companies and individuals who can help your clients whether they own a dealership, a repair shop or a manufacturing company. This can help everyone involved to find the best solutions for any gaps in insurance. Many companies will have this information listed on their websites, you can also find companies through your industry contacts which offer the things you are looking for. It is a good idea to look at things like reputation and areas covered to help you find the best fit in insurance wholesalers.

Why Should my Center Have Assisted Living Liability Insurance Protection?

assisted living liability insurance

If you own an assisted living center or are a key management member of such a facility, you understand the many responsibilities you have to provide daily care for patients with a variety of challenges. Because you are giving constant assistance to these patients, there is a likelihood for accidental mishap, injury or other complications. To protect yourself from legal issues, it’s important to have assisted living liability insurance.

Protects You From Lawsuit

Unfortunately, we live in a lawsuit-happy society. While some of these suits are warranted, others could be minimized or eliminated simply with the proper insurance coverage. Insurance for your assisted living facility should be a no-brainer for you and your facility. Having this coverage will shield you from claim and incidents.

Gives You Peace of Mind

Even if you are running the best practice possible and are following all regulations perfectly, accidents can happen. With assisted living liability insurance, you will not be held responsible for injuries or harm to patients caused by your honest mistake.

Essential For a Professional Center

If you want to run and maintain a facility you can be proud of and one that others in the profession feel good about, insuring the care center is essential. Not only will this mean a lot to you, but patients and their families will feel at ease with their decision to do leave their loved ones in your care.

Hidden Insurance Gems

Property insurance companies

There are many reasons why having insurance is important. Some of the benefits you can reap are less well known than others, but their obscurity doesn’t make them any less useful. Getting the full potential out of your property insurance companies means being informed about everything that they have to offer. Learn about your more hidden benefits, and you may be pleasantly surprised by what you find.

We all know that insurance can help you cover losses if anything should happen to the home, such as a fire. However, you may not know that it can also help you pay for updates to the home that improve safety and prevent future incidents from happening. Prolonged power outages can cause several serious inconveniences, but did you know that your homeowner’s insurance may be able to help make up for any losses you experience? For example, you may have had to throw away a large amount of refrigerated food due to spoilage. Your insurance can help cover this cost.

Not all of us are insurance experts, and it is difficult to know everything that there is to know. Quality property insurance companies can be there to help fill you in and even explain the more obscure parts. You may find that your coverage extends further than you expected.

All-on-4 Benefits You Need to Consider

OC All-on-4

If you have lost all or a majority of your teeth, you do not have to live with a lot of gaps in your smile. You can talk with your dentist about getting OC All-on-4 dental implants. This is a procedure in which four implants are inserted into each arch of the jaw bone in order to replace all of the teeth. It has been in use for some time now, and there are some exceptional advantages to be gained. First, the biggest benefit is that they look completely natural. Your teeth are designed to fit within your smile, and they are permanently positioned in place, so you do not have to worry about taking them out at the end of the day.

You can use your new teeth for any function you want. There are no restrictions placed on your diet, and you can talk the way you did when you had all your teeth. The procedure itself is relatively quick, so you do not have to worry about spending a lot of time in the dentist’s chair. Finally, OC All-on-4 dental implants make it more likely you are going to brush your teeth and gums, so you are at a reduced likelihood of developing gingivitis. With immediate and long-term benefits, this is one restoration to seriously consider.

Choosing the Best Life Insurance Policy

life insurance virginia

When you are working through your finances, you know it’s important to prepare for emergency circumstances as best as possible. Having the right life insurance coverage is an important part of that preparation. When you are looking for life insurance in Virginia, the best thing to do is contact an experienced agent and talk about all the available options. You can find the right amount of coverage at a reasonable premium and rest assured that your family will be taken care of financially.


There are several different types of life insurance policies, and you’ll need to understand each one to determine which is best for your unique circumstances. Term life insurance is the right choice for some people. It provides specific coverage benefits for a certain time period. As such, the policy needs to be reassessed at the end of the term. Whole life policies include permanent coverage with additional features such as borrowing options. Universal life policies are flexible and allow you to improve the cash value of the policy.


The right life insurance policy is not only a good investment, it contributes to your peace of mind and your family’s security. Working with a trained, professional agent is the best way to learn about the types of life insurance in Virginia and find the policy that fits best with your situation. Once you determine which type of policy is the right fit, you can work through the amount of coverage you need and the associated costs.

Insurance for the Hospitality Industry May Be Necessary

Businesses in the hospitality industry can often face issues normally not experienced by other industries. Nightclubs, restaurants, live music venues and similar places may get sued for variety of reasons such as assault due to intoxication or injury from slipping on spilled drinks. The right insurance for the hospitality industry can assist owners of hospitality venues if these incidents occur.

There are usually various types of hospitality industry insurance with each type specializing in different needs. General liability insurance often helps hospitality clients who get may get sued for many reasons. Regardless whether the venue may legitimately be held responsible, some may try to make money and make claims that are beyond reasonable. Certain insurance policies, however, will typically not only insure the hospitality in such cases, they may also thoroughly investigate the claims to determine if these claims are justifiable.

Another type of insurance for the hospitality industry may be insurance for incidents that happen away from the venue. For example, a patron may come home after eating a delicious meal at a restaurant and start feeling ill from poisoning. As a result of their distress and medical bills, this individual can then press charges against the restaurant. Unfortunately, some insurance policies may not assist the restaurant in this case, since the illness occurred away from the premises. An insurance policy that covers these types of events can better protect businesses in the hospitality industry.

The hospitality industry can experience many problems. Fortunately, with a good hospitality insurance policy, the solution may readily be available.

3 Ways That Kidnap and Ransom Insurance can Help Your Business

Kidnap and Ransom Insurance PA

As a business, it can be important to prepare for any eventuality. Especially in today’s society where many people travel for work and the level of domestic and international tension is high, having kidnap and ransom insurance in PA can save your business.

Addressing Incidents

In the event of a kidnapping or extortion demand, getting trained experts to handle the situation can make an enormous difference. Having an insurance company who knows the right legal, financial and sometimes governmental teams to call can keep a bad situation from getting worse.

Multiple Policy Features

There are different policy features that may appeal to the needs of your business. There are evacuation services available in the case of a riot or revolution in the United States or abroad. There are also policies that cover ransom payments, crisis response teams and cyber extortion.

Dealing With the Aftermath

Sometimes kidnapping or hostage incidents can result in injuries, death or psychological issues that require medical attention. Having a policy that covers these effects can assist in resolving the issues as quickly as possible.

The world is so unpredictable and traditional insurance usually does not cover specialty emergency situations such as kidnapping. Protecting your business and your clients with kidnap and ransom insurance in PA can have enormous benefits and even save lives.