Business

Cover for liability, business assets, shareholder protection, debt and key person protection. Make sure that if things go wrong, everything in your business stays right.

Shareholder/Debt Protection

Most business loans and accounts are secured by the business owners’ personal guarantees, but many don’t realise 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.

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.

Public & Products Liability	Bodily injury and property damage arising from business activities and from products manufactured, imported or sold.
Burglary	Theft of Property following forcible and violent entry to premises.
Contract Works	Loss or damage to the project works during construction.
Contractors Plant & Machinery	Loss or damage to unregistered mobile plant, drilling rigs and the like.
Fire & Perils	Damage to property caused by a range of nominated risks.
Industrial Special Risk	Fire, Perils and accidental damage to property.
Livestock & Bloodstock	Loss following death or loss of use of valuable animals.
Machinery Breakdown	Cost to repair following mechanical or electrical breakdown of plant and equipment.
Material Damage	Accidental loss or damage to any of your business assets anywhere in New Zealand.
Advance Consequential Loss	Loss of future earnings and increased expenses following delayed completion of a project caused by damage.
Business Interruption	Loss of Income and additional expenses due to damage to property.
Cancellation & Abandonment	Loss of income and additional expenses incurred due to occurrences such as adverse weather conditions and non appearance of performers.
Electronic or Mechanical Breakdown	Loss of income and increased expenses following mechanical or electronic breakdown of computer equipment.
Aviation Hull	Loss of or damage to aircraft and related equipment.

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 businesses or individuals being sued for not only their own breaches, but 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.

Association Liability	Provides indemnity to those who hold positions on management committees incorporated organisations against negligent acts, errors or omissions.
Aviation Liability	Bodily injury and property damage arising from operation of an aircraft.
Directors & Officers Liability	Damages following a wrongful act committed by the directors or officers of a company.
Professional Indemnity	Damages & pure economic loss arising from the professional activities of organisation. Such as penalties for faulty advice, failure to act, faulty design.
Public & Products Liability	Bodily injury and property damage arising from business activities and from products manufactured, imported or sold.
Statutory Liability	Protects companies and individuals against liability for Statutory fines and penalties which result from unintentional or accidental breaches of legislation.
Trustees Liability	Damages following mismanagement of superannuation funds by trustees.
Fidelity Guarantee	Loss due to the dishonesty of employees

Specialist Small to Medium Business Risk Advice

Unfortunately in today’s business climate, all businesses from consultants to charities to larger enterprises are at very real risk of increased costs and litigation. RMA General provides expert risk management services to ensure that you are protected. We specialise in Church Insurance, Commercial Property, Body Corporates and Engineering and deal with a large range of other industries so Contact us for specialist risk management advice and a risk management plan tailored for your specific needs.

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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.

About RMA

Established in 2008, RMA provides a range of products and services all designed to offer you the full package of investments, advice and insurance solutions to guarantee a secure and safe financial future.

Whether you require one product, a combination or fully managed portfolio the team at RMA are here to help – today and into the future. We can also provide ACC specialist advice to all of our clients who are self-employed business owners.