Insurance
Commercial insurance, reviewed against the risk you actually carry.
A competitive premium means very little if the cover behind it does not match the business. RMB&Co. makes sure your requirements are properly understood and your existing arrangements are reviewed, working alongside specialist insurance professionals who advise on and arrange the cover.
What our oversight covers
Cover first, premium second.
The order matters. Most disappointing outcomes at claim stage trace back to a requirement nobody wrote down.
Requirements understood first
Before anything is priced, we establish what the organisation actually does: sites, activities, occupancy, plant and equipment, vehicles, employees, contractual obligations to landlords or clients. Cover bought against a guess is the most common reason a claim disappoints.
Existing cover reviewed against real risk
Schedules, sums insured, indemnity periods, exclusions, warranties and conditions read line by line — including the under-insurance and business interruption periods that quietly stopped being adequate several years ago.
Placed alongside specialist professionals
Insurance is arranged and advised on by regulated insurance professionals we work with. RMB&Co.'s role is to make sure your requirements are documented properly, the market is approached on that basis, and what comes back is compared on cover, not premium alone.
Renewal governance
Renewal dates, warranties and disclosure obligations tracked, with the review starting well before the deadline so decisions are not made in the last week under time pressure.
Contractual and compliance obligations
Where leases, client contracts or tenders specify cover and limits, we check that what you hold actually satisfies them, and keep evidence of cover available for the parties who ask for it.
Claims support
When a claim happens, we help you assemble the documentation and keep the process moving with the appointed professionals, so the burden does not land entirely on your team.
Being clear about our role
RMB&Co. provides commercial oversight. Regulated insurance advice and placement are carried out by the specialist insurance professionals we work alongside. We will always tell you which of us is doing what, and how each party is paid, before you commit to anything.
Insurance is typically reviewed alongside property compliance and risk, facilities and property management and core utilities and commercial operations.
Want your cover reviewed?
Send us your current schedules and renewal dates. We will tell you plainly where the gaps are.