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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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5 Common Exclusions in a Life Insurance Policy 5 Common Exclusions in a Life Insurance Policy

Sep 07, 2021

Life Insurance

5 Common Exclusions in a Life Insurance Policy

When you purchase a life insurance policy, you expect that your family will collect the death benefit if something unthinkable should happen to you. You need to know what exclusions your policy may include. There are several events that your policy may not cover. Being prepared is the best way for you...

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Reasons for Obtaining a Business Owner's Policy (BOP) Reasons for Obtaining a Business Owner's Policy (BOP)

Aug 17, 2021

Insurance

Reasons for Obtaining a Business Owner's Policy (BOP)

The uncertainties that many small businesses face daily make it vital to have contingency measures to avert loss. One way to protect your business against financial loss is to have the right insurance policies in place. As an entrepreneur, consider getting a business owner's policy (BOP) for coverage...

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Do I Need Health Insurance If I Live in New York? Do I Need Health Insurance If I Live in New York?

Aug 10, 2021

Business and Commercial insurance

Do I Need Health Insurance If I Live in New York?

When Obamacare, or as it's commonly known, the Affordable Care Act, was enacted, every American citizen was required to purchase a policy or pay a stiff penalty. New York residents were no different. They were also required to have a health insurance policy in place to ensure that they would have coverage...

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How to Protect Yourself from Underinsured and Uninsured Motorists How to Protect Yourself from Underinsured and Uninsured Motorists

Jul 14, 2021

Business and Commercial insurance

How to Protect Yourself from Underinsured and Uninsured Motorists

Purchasing auto insurance is not only wise but legally required in most states. Auto insurance covers your vehicle, other vehicles, and bodily injuries sustained by people involved in an accident. However, even in states that require auto insurance, one in eight motorists drives without insurance....

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Things to Consider Before Buying Small Business Insurance Things to Consider Before Buying Small Business Insurance

Jul 07, 2021

Auto Insurance

Things to Consider Before Buying Small Business Insurance

Getting insurance for your business to protect it from risks or unforeseen circumstances is a wise thing to do. It will help your business grow even more successful while protecting your investment. With a small business, this is even more important. Choosing the right insurance for your small business...

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How Much Life Insurance Coverage Do I Need? How Much Life Insurance Coverage Do I Need?

Jun 16, 2021

Business and Commercial insurance

How Much Life Insurance Coverage Do I Need?

Life insurance allows you to leave a legacy behind for your loved ones. However, it's important to think about how your life may evolve. If you have a traditional job and either have children or plan to start a family in the future, you should have at least ten times your annual income in your life insurance...

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A Guide to Help You Find the Right Insurance Policy for Your Small Business A Guide to Help You Find the Right Insurance Policy for Your Small Business

Jun 09, 2021

Business and Commercial insurance

A Guide to Help You Find the Right Insurance Policy for Your Small Business

Thousands of small businesses open up every year. Finding success can be difficult at times, and business owners have to be patient. It's also important to plan for the unexpected. One accident can cause you to lose everything. Here is a guide to help you find the right small business insurance policy...

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A Look at the Types of Death Which May Not Be Covered By Life Insurance A Look at the Types of Death Which May Not Be Covered By Life Insurance

May 30, 2021

Life Insurance

A Look at the Types of Death Which May Not Be Covered By Life Insurance

Life insurance helps you leave a foundation for your loved ones after your passing. Your loved ones can use the benefits to cover any debts or finalize your estate. However, there are certain instances where your death may not be covered by life insurance. Life Insurance Overview As long as you...

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Exploring Personal Liability Coverage in Your Homeowners Insurance Exploring Personal Liability Coverage in Your Homeowners Insurance

May 26, 2021

Life Insurance

Exploring Personal Liability Coverage in Your Homeowners Insurance

The liability coverage in your homeowners insurance policy can protect you in emergency situations. If the injured party pursues litigation, liability coverage will take care of your legal costs. Here is a look at the different benefits of personal liability coverage. Personal Liability Coverage Explained Imagine...

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What Should You Do If Your Home Insurance Is Canceled? What Should You Do If Your Home Insurance Is Canceled?

Apr 07, 2021

Homeowners Insurance

What Should You Do If Your Home Insurance Is Canceled?

Why Would an Insurance Company Cancel Your Home Insurance Policy? A canceled insurance policy is when the provider halts an existing policy before the term expires. Usually, an insurance company cancels a policy when there is a default in the terms of the agreement. Here are a few things that can trigger...

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Does Life Insurance Cover Deaths Due to Natural Causes? Does Life Insurance Cover Deaths Due to Natural Causes?
Does Life Insurance Cover Deaths Due to Natural Causes?
How Are General Liability Insurance Premiums Calculated? How Are General Liability Insurance Premiums Calculated?
How Are General Liability Insurance Premiums Calculated?
Does Homeowners Insurance Cover Appliances? Does Homeowners Insurance Cover Appliances?
Does Homeowners Insurance Cover Appliances?
Is It Necessary to Get Insurance If Your Business Has No Inventory? Is It Necessary to Get Insurance If Your Business Has No Inventory?
Is It Necessary to Get Insurance If Your Business Has No Inventory?
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