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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.
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Does Your Hotel Have These Risks Covered Under Hospitality Insurance Coverage? Does Your Hotel Have These Risks Covered Under Hospitality Insurance Coverage?

Oct 12, 2022

Pet Insurance

Does Your Hotel Have These Risks Covered Under Hospitality Insurance Coverage?

When you manage a hotel, you have to think about all potential risks that could arise. From fires, to theft, to weather damage, many things could go wrong. That's why it's important to have hospitality insurance coverage for your hotel. In this article, we'll discuss four risks for which you should ensure...

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Commercial Auto vs. Personal Auto Insurance: The Ideal Insurance for You Commercial Auto vs. Personal Auto Insurance: The Ideal Insurance for You

Sep 14, 2022

Business and Commercial insurance

Commercial Auto vs. Personal Auto Insurance: The Ideal Insurance for You

When it comes to selecting an auto insurance policy, you may get confused. The line between a personal vehicle and a commercial vehicle can sometimes be unclear. So you need to understand the two insurance policies in brief. In this article, we will clarify the differences between personal and commercial...

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Why I Need to Escrow My Flood Insurance? Why I Need to Escrow My Flood Insurance?

Sep 07, 2022

Commercial Insurance

Why I Need to Escrow My Flood Insurance?

An escrow account is a third-party account, mostly opened by your mortgage lender, to keep track of payments concerning the property you financed, including the property's taxes, insurance payments, association dues, etc. You will usually have an escrow account if you have a mortgage. If you have been...

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Will My Car Insurance Offer Coverage for Mechanical Problems? Will My Car Insurance Offer Coverage for Mechanical Problems?

Aug 17, 2022

Flood Insurance

Will My Car Insurance Offer Coverage for Mechanical Problems?

Car insurance will only cover mechanical problems resulting from covered perils (accidents and collisions), provided you have comprehensive and collision coverages. If you don't have these coverages, you can buy a separate mechanical breakdown insurance policy to stay covered against all types of mechanical...

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Are Riots, Vandalism, or Looting Covered by Business Insurance? Are Riots, Vandalism, or Looting Covered by Business Insurance?

Aug 10, 2022

Auto Insurance

Are Riots, Vandalism, or Looting Covered by Business Insurance?

After being closed for nearly two years due to pandemic-induced lockdown, businesses have now reopened with limited employees and some restrictions concerning safety precautions. However, they still cannot work with peace of mind because of the recent events of vandalism, looting, and riots from protests. Business...

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How Can You Choose a Home Insurance Policy for a Vacation Home? How Can You Choose a Home Insurance Policy for a Vacation Home?

Jul 20, 2022

Health Insurance

How Can You Choose a Home Insurance Policy for a Vacation Home?

Once you purchase a second home or a vacation home, the best way to protect your property from unseen external factors is to get a homeowners insurance policy. The type of policy needed for your vacation home is similar to that of a primary home insurance policy. However, the insurance rates tend to...

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How to Save Money with the Self-Employed Insurance Deduction? How to Save Money with the Self-Employed Insurance Deduction?

Jul 13, 2022

Business and Commercial insurance

How to Save Money with the Self-Employed Insurance Deduction?

If you're self-employed and carry health insurance, you are entitled to a health insurance tax deduction. You can use this deduction to reduce your insurance costs as well as your tax burden. Read on to learn more. What Health Insurance Expenses Can I Deduct on Taxes? With this special healthy insurance...

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What Should You Know About Life Insurance Critical or Chronic Illness Rider? What Should You Know About Life Insurance Critical or Chronic Illness Rider?

Jun 22, 2022

Home Insurance

What Should You Know About Life Insurance Critical or Chronic Illness Rider?

Families with life insurance policies get financial benefits when a policyholder dies. It can help protect against financial disruption, especially if your family depends on you for income. But do you know what a life insurance critical or chronic illness rider is? If not, then read on to learn how critical...

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What You Need to Know About Flood Insurance This Year? What You Need to Know About Flood Insurance This Year?

Jun 15, 2022

Life Insurance

What You Need to Know About Flood Insurance This Year?

Flood insurance is something that you don't know you need until something happens. At that point, it's too late, and you are stuck paying for all of the damages out of pocket. Flooding can occur almost anywhere there is low-lying land. This means every state has some degree of risk of flood. If you don't...

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Guide to Help Figure out Your Boat Insurance Deductibles and Premiums Guide to Help Figure out Your Boat Insurance Deductibles and Premiums

May 25, 2022

Flood Insurance

Guide to Help Figure out Your Boat Insurance Deductibles and Premiums

Boats are unique assets. Thousands of people operate their boats during warm seasons to get away and spend time with their loved ones. However, there are multiple risks to consider while you are out on the water. Boat insurance protects you from such risks. Figuring out the type of coverage you need...

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Does Car Insurance Cover Hitting a Deer? What You Need to Know Does Car Insurance Cover Hitting a Deer? What You Need to Know
Does Car Insurance Cover Hitting a Deer? What You Need to Know
Health Insurance for Dermatology: What's Covered and What's Not Health Insurance for Dermatology: What's Covered and What's Not
Health Insurance for Dermatology: What's Covered and What's Not
7 Common Renovations and Their Impact on Homeowners Insurance Cost 7 Common Renovations and Their Impact on Homeowners Insurance Cost
7 Common Renovations and Their Impact on Homeowners Insurance Cost
Increase Your Car Insurance Protection with Umbrella Insurance Increase Your Car Insurance Protection with Umbrella Insurance
Increase Your Car Insurance Protection with Umbrella Insurance
Understanding General Liability Coverage for Restaurants Understanding General Liability Coverage for Restaurants
Understanding General Liability Coverage for Restaurants