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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! Executive Order for Policyholder Payments

Workers' compensation for household employee Workers' compensation for household employee

Apr 16, 2025

Business Insurance

Do Household Employees Need Workers' Compensation Insurance?

Hiring household employees to help with cleaning, childcare, or gardening comes with responsibilities. One crucial question many homeowners ask is whether workers' compensation insurance is required for household employees. While household employees provide valuable services, it's essential to understand...

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Umbrella insurance after an accident Umbrella insurance after an accident

Apr 02, 2025

Personal Insurance

Is It Possible to Get Umbrella Insurance After an Accident?

Umbrella insurance provides an extra layer of protection beyond standard policies such as auto or homeowners insurance. It can cover significant claims exceeding your existing coverage's limits, including legal fees, property damage, and medical costs. However, many wonder if they can obtain umbrella...

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Staying on parents' health insurance Staying on parents' health insurance

Mar 19, 2025

Health Insurance

How Long Can I Stay on My Parent's Health Insurance?

As you approach adulthood, one common question you may have is how long you can stay on your parent's health insurance. The Affordable Care Act (ACA) allows young adults to remain on their parent's plan until age 26. This provision ensures that young people, often transitioning from school to work, can...

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Usage based auto insurance Usage based auto insurance

Mar 05, 2025

Auto Insurance

What Is Usage-Based Auto Insurance?

Auto insurance is essential to car ownership, but not all policies are created equal. One growing trend in the industry is usage-based auto insurance (UBI). UBI allows your premium to be based on your driving habits rather than traditional factors like age, location, or credit score. This type of insurance...

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Cash value of life insurance Cash value of life insurance

Feb 19, 2025

Life Insurance

Understanding How to Access and Use Your Life Insurance Cash Value

Life insurance policies that include a cash value component, such as whole life or universal life insurance, provide more than a death benefit. They also offer the opportunity to build cash value over time, which can be accessed while you are still alive. Knowing how to utilize this feature can help...

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Factors affecting renewal of restaurant insurance Factors affecting renewal of restaurant insurance

Feb 05, 2025

Business Insurance

7 Essential Factors to Consider Before Renewing Restaurant Insurance

Renewing your insurance is an essential step in maintaining your business's financial security and longevity. As the food service industry evolves, your insurance coverage should adapt to reflect operations, risks, and assets changes. Here are important factors to consider before renewing your Restaurant...

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Pitfalls in small business insurance claims Pitfalls in small business insurance claims

Jan 22, 2025

Business Insurance

Common Pitfalls Small Business Owners Face When Filing Insurance Claims

Navigating the world of insurance can be daunting for small business owners. When the unexpected happens—be it property damage, liability claims, or business interruptions—filing an insurance claim is often a critical step in recovering and moving forward. However, many small business owners...

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Life insurance coverage for natural death Life insurance coverage for natural death

Jan 08, 2025

Life Insurance

Does Life Insurance Cover Deaths Due to Natural Causes?

Life insurance is a crucial financial tool that provides peace of mind and security for individuals and their families. One common question that arises is whether life insurance covers deaths due to natural causes. Understanding this aspect of life insurance is essential for policyholders and those considering...

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Calculation of general liability insurance premium Calculation of general liability insurance premium

Dec 25, 2024

Business Insurance

How Are General Liability Insurance Premiums Calculated?

General liability insurance is a crucial component for businesses of all sizes, providing protection against claims of bodily injury, property damage, and personal injury. However, many business owners may wonder how insurance companies determine the premiums they pay for this coverage. Understanding...

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Home insurance coverage for home appliances Home insurance coverage for home appliances

Dec 11, 2024

Homeowners Insurance

Does Homeowners Insurance Cover Appliances?

Homeowners insurance protects your home and belongings from various risks, but many homeowners wonder whether their appliances are covered under their policy. Understanding the specifics of homeowners insurance can help you make informed decisions about your coverage and protect your investments effectively. What...

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Do Household Employees Need Workers' Compensation Insurance? Do Household Employees Need Workers' Compensation Insurance?
Do Household Employees Need Workers' Compensation Insurance?
Is It Possible to Get Umbrella Insurance After an Accident? Is It Possible to Get Umbrella Insurance After an Accident?
Is It Possible to Get Umbrella Insurance After an Accident?
How Long Can I Stay on My Parent's Health Insurance? How Long Can I Stay on My Parent's Health Insurance?
How Long Can I Stay on My Parent's Health Insurance?
What Is Usage-Based Auto Insurance? What Is Usage-Based Auto Insurance?
What Is Usage-Based Auto Insurance?
Understanding How to Access and Use Your Life Insurance Cash Value Understanding How to Access and Use Your Life Insurance Cash Value
Understanding How to Access and Use Your Life Insurance Cash Value