1. Asset Risk Protection
2. Income & Other Financial Risk Exposures
3. Liability Risks & Exposures

Products

RMS Insurance Brokers provides an extensive range of insurance policies and solutions. Although many of these insurance policies may not meet your needs today, we recommend that you review this list regularly, as the structure of your organisation may change and therefore your requirements in this regard.

Please notes that the below list of products does not include all policies available within the global insurance markets that we have access to and that the availability of some classes may be subject to market conditions at the time.

Asset Risk Protection

CLASS:	BRIEF DESCRIPTION:
Aviation Hull	Loss of or damage to aircraft and related equipment.
Boiler Explosion	Covers loss or damage due to explosion or collapse of boilers and/or pressure vessels requiring a certificate of registration.
Burglary	Theft of property following forcible and violent entry to premises.
Contract Works	Loss or damage to the project during construction.
Contractors' Plant & Machinery	Loss or damage to unregistered mobile plant, drilling rigs and the like, including plant hired in and out.
Crop	Fire or hail damage to growing crops.
Electronic Equipment	Material damage and/or loss of data following.
Fire & Perils	Damage to fixed assets caused by a range of nominated risks.
General Property	Covers tools of trade etc. away from business premises.
Glass	Damage to fixed glass.
Householders	Loss or damage to residential premises and their contents.
Laptop	Covers laptops & electronic equipment whilst in transit etc.
Machinery Breakdown	Cost to repair following mechanical or electrical breakdown of plant and equipment.
Marine Cargo/ Transit	Damage to goods whilst in transit, by road, rail, sea or air.
Mobile phone	Covers mobiles /pagers etc. for damage in transit, burglary etc.
Motor/Cycle /Caravan	Loss or damage to registered vehicles.
Personal Valuables	Loss or damage to jewellery, works of art and other valuables.
Theft	Theft of property in open air and/or without forcible entry.

Income & Other Financial Risk Exposures

CLASS:	BRIEF DESCRIPTION:
Accounts Receivable	Covers loss due to inability of the insured to collect amounts owing from customers as the direct result of loss or damage by an insured peril to records of accounts receivable which are contained in the premises.
Business Interruption	Loss of income and increased expenses due to damage to fixed assets.
Computer Breakdown Profits	Loss of income and increased expenses following mechanical and electronic breakdown of computer equipment.
Computer Crime	Loss of funds following tampering with computer systems.
Fidelity Guarantee	Losses due to the dishonesty of employees.
Intellectual Property/Patent Infringement	Legal expenses incurred to defend patent, trademark, copyright etc. or to pursue breaches of your patents etc.
Machinery Breakdown Profits	Loss of income and expenses following breakdown of key plant and equipment.
Marine Profits	Loss of income and increased expenses following marine transit material damage claims.
Money	Loss or damage to cash, cheques, negotiable instruments.
Personal Accident & Illness	Death or disability following an accident or illness.
SASRIA - Political Risks & Strike	Confiscation, expropriation, nationalization, requisition, destruction or deprivation by actions of governments or local authorities of countries in which the insured may trade. Additional expenses incurred following labour disturbances.

Liability Risks & Exposures

CLASS:	BRIEF DESCRIPTION:
Association Liability	This provides indemnity to those who hold positions on management committees of incorporated organizations against negligent acts, errors or omissions.
Defamation/Libel & Slander	Damages and defence costs following defamation, libel and slander.
Directors & Officers Liability	Damages following a wrongful act committed by the directors or officers of a company.
Employers Liability Accident Make-up Pay	Pays "Gap" between Workers' Compensation Act benefits and actual weekly pay.
Environmental Impairment Liability	Bodily injury and property damage following gradual pollution.
Marine Liability	Bodily injury and property damage arising from: Carriers liability Chatterers liability Container liability Stevedore liability
Motor - Compulsory Third Party	Bodily injury arising from registered vehicles.
Public Liability	Bodily injury and property damage arising from business activities.
Products Liability	Bodily injury and property damage arising from products manufactured, imported or sold.
Statutory Liability	Protects innocent employers & individuals from fines & legal expenses arising from breaches of legislation.
Trustees Liability	Damages following mismanagement of superannuation funds by trustees.
Umbrella Liability	Provides cover in excess of standard Broadform Liability policies, including Motor Third Party, but also provides blanket cover for many areas excluded by those policies.