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RMG Insurance Golf and Gourmet
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RMG ladies golf outing 2015 
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RMG Insurance Blog

Employment Practices Liability 101

Ron Martin - Thursday, January 11, 2018

Employment practices liability insurance (EPLI) coverage is on the rise – “with the biggest growth coming from small and midsize companies,” according to a recent Washington Post article. The barrage of high-profile sexual misconduct accusations in the news is no doubt fueling the take-up rate, which is already at 41 percent for large firms.  read more

Four Myths of Nonprofits

Ron Martin - Monday, September 21, 2015

Four Myths of Nonprofits

Cindy Bergvall, CPA

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Governor Wolf Announces Fee Waivers for Volunteers Seeking Background Checks

Ron Martin - Tuesday, June 23, 2015

Governor Tom Wolf announced today that fees for child abuse clearances and criminal background checks required by the Child Protective Services Law will be waived for volunteers working with children. Additionally, the Department of Human Services (DHS) and the Pennsylvania State Police (PSP) will be reducing the cost of both the child abuse and criminal history record checks from $10 to $8 for all other applicants. These changes will take effect July 25, 2015.  read more

So Sue Me

Ron Martin - Monday, July 21, 2014

reprinted with permission - Insurance Agents and Brokers  read more

Should your organization be conducting background checks?

Ron Martin - Thursday, July 03, 2014

reprinted with permission  read more

The Non-Profit Trust-- Cost Saving Alternative to State Unemployment Insurance

Ron Martin - Monday, July 25, 2011

  read more

Employee/Volunteer Use of Personal Vehicles

Ron Martin - Wednesday, July 06, 2011

Many Non-Profit organizations will utilize the vehicles of its employees and volunteers in the course of doing business.  These organizations need to know the exposure they create when doing so, how the organization can be covered and how that affects premiums.

  read more

How to Connect With Women Donors

Ron Martin - Thursday, April 28, 2011

As RMG Insurance prepares for our 5th Annual Ladies Golf & Gourmet to be held on Thursday September 17th at The Club at Morgan Hill,  we offer the information below that we have used to make our outing a success with our women participants.

Since we started, we have raised over $30,000. for local charities via our outing, focusing on the women in our community to do so.

Enjoy the read!  See our website for more details on our outing.

How Do You Connect With Women
Donors: The 4 Cs
  read more

Non-Profit Special Events

Ron Martin - Wednesday, January 26, 2011

Most, if not all, non-profit organizations hold special events to help fundraise to continue their mission.  These events, especially if they are held off-premises, require liabilty coverage for the organization.  The unendorsed General Liability will not offer coverage to these events.  Generally, this means that the organization must purchase a Special Event policy, which will provide liability protection to the organization for lawsuits arising from property damage and/or bodily injury during the event.  The policies are separate from the General Liability policy and offer coverage limits specific for the event.  The cost depends on the type of event, the number of participants and if alcohol is being served.

However, insurance carriers that specialize in non-profit organizations will include this coverage for a specified number of events, usually with a limit of participants (e.g.  2-3 special events per year, with less than 1000 attendees each).  These companies will ask if you plan to hold events duting the underwriting process. They then can add the premium(if any) to their proposals, thus eliminating the uncertainty and hassle of finding coverage and the additional cost that a special event policy will produce.

When looking for insurance coverage for your non-profit organization, make sure your company includes special event coverage. if not, please give us a call, we can help.  read more

Abuse & Molestation

Ron Martin - Tuesday, January 18, 2011

Recently, I had a business owner inquire on supplemental Abuse and Molestation insurance for a massage / spa company. They currently had General Liability insurance however they were looking to supplement.


  read more


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