BUSINESS
COVER FOR COMMERCIAL PROPERTY, BUSINESS ASSETS, LIABILITY, KEY PERSON, SHAREHOLDER PROTECTION – MAKE SURE THAT IF THINGS GO WRONG, EVERYTHING IN YOUR BUSINESS STAYS RIGHT.
Tailored solutions covering
- Commercial Property, Business Assets, Liability policies –Click here for a list of available policies
- Shareholder/Debt Protection – providing the business with funds to repay or reduce business debts, release personal guarantees, and free up cash flow to aid in the survival of the business.
- Key Person – insure against the untimely loss of your most essential team member.”
Protect My Business – Public Liability, Material Damage, Business Interruption
Your business is your livelihood so it makes practical and legal sense to protect it. We can help you find the best protection through the placement of relevant insurance products, whether it be Liability insurance, material damage or the need to cover any interruption to your business operations.
Cover can be provided for claims made for unintended or accidental damage to other people’s property or persons and any breaches of Statute Legislation such as the Health and Safety in Employment Act, which covers the costs involved with, investigation,legal defence and reparation awards. You need an adviser who understands your business, how it operates and any potentially exposure you may have, so contact us for further information on how to protect your business.
Protect My Professional Risks – Professional Indemnity, Directors And Office, Employment Disputes
Experts, Directors and Officers of private and public companies operate in an environment of strict regulatory control, and with that comes increased legal risk. Legal issues can arise from both statute and common law requirements and can result in businesses or individuals being sued for their own breaches, and those of people on whom they rely, by regulatory authorities, shareholders, liquidators or receivers, creditors, employees, business competitors, clients and even the general public. With so much to consider, you really need specialist insurance advice to ensure you are covered for all eventualities.
Specialist Small To Medium Business Risk Advice
Businesses in today’s climate are at a very real risk of increased costs and litigation. While our clients are spread over a large range of industries, we also specialise in Not for Profit Insurance, Commercial Property, Engineering, and Primary Industries, so contact us for specialist risk management advice for a plan tailored to your specific needs.
KEY PERSON PROTECTION
The people in your business are your most important asset, and invariably a critical person or in-house specialist is key to your success and business continuity. Key person protection can help reduce the impact on your business if a key person is unable to work due to illness or injury or death. For a small business the key person might be the owner or founder, talk to our RMA Advisors about providing your business with the ability to continue and search for a replacement.
Shareholder/Debt Protection
Most business loans and accounts are secured by the business owners’ personal guarantees, with many not realising that these guarantees remain in force and transfer to the owners’ estate in the event of their death or permanent impairment. Shareholder and debt protection provides the business with the required funds to repay or reduce business debts. This protection will allow your family to be released from personal guarantees, free up cash flow to aid in the survival of the business or offer a buy/sell agreement that will allow for the funds to transfer equity. It is imperative that business owners have a continuity plan in place;
Talk to the team at RMA for expert advice specific to your situation.
RMA’S PROMISE TO YOU
We place your needs first. We act with integrity, fairness and professionalism when dealing with you. We demonstrate competence, diligence and objectivity in our advice to you.