Your premises, equipment, stock and contents can be fundamental to the way your business operates. When they’re damaged by fire, storm, theft or another unexpected event, the impact can extend well beyond the cost of repair or replacement.
At RSM Group, we take the time to understand your property and, importantly, how your business depends on it. This allows us to develop insurance solutions designed to protect your physical assets while considering the broader financial and operational consequences of a significant loss.
Understanding your operations comes first
No two businesses have the same property risks.
A warehouse and distribution operation has very different exposures from a hospitality venue, construction business, professional office or waste and resource recovery facility. That’s why our approach starts with understanding your business.
We consider your premises, building construction, contents, equipment, stock, security and location, together with how an interruption at the property could affect your ability to operate.
By looking beyond the value of the building itself, we can develop an insurance program that better reflects what’s actually at risk.
Property protection designed around your operations
Our role extends beyond arranging an insurance policy. We work with you to understand your property exposures, identify appropriate insurance solutions and help manage risk as your business changes.
Tailored equipment solutions
Insurance structured around your premises, assets, operations and individual risk profile.
Business continuity
Considering how property damage could interrupt your operations and affect your business financially.
Independent advice
Unbiased recommendations focused on what’s right for your business.
Claims advocacy
Your dedicated Account Manager remains your advocate when a property claim occurs.
Property risk review
Understanding the physical and operational risks associated with your premises and assets.
Ongoing review
Reviewing your insurance as property values, assets and business operations change.
Understanding your property insurance needs
Depending on your business and insurance requirements, property-related insurance can provide protection for a range of physical assets and financial exposures. These may include:
Buildings
Protecting commercial buildings and other insured structures against specified events.
Contents
Cover for furniture, fixtures, equipment and other business contents.
Stock
Protection for stock and materials held at your premises, subject to the terms of the policy.
Machinery and equipment
Cover for equipment essential to your operations, with additional specialised cover potentially required for particular assets or risks.
Theft
Protection against certain theft related losses, subject to policy terms and security requirements.
Business Interruption
Cover designed to help protect the financial position of your business following certain insured events that interrupt normal operations.
The right combination of cover depends on your property, operations and risk profile. RSM Group works with you to understand those exposures and develop an insurance solution appropriate to your business.
Is your insurance enough to rebuild today?
One of the most important considerations in property insurance is ensuring the values used to arrange cover appropriately reflect potential replacement.
Construction costs, materials, labour, professional fees and other expenses change considerably over time. The cost of reinstating a damaged commercial property may also be very different from its market value.
If insured values haven’t kept pace, a business may find its cover doesn’t respond as expected following a major loss.
RSM Group can help you review your insurance arrangements and identify where updated valuations or specialist advice may be appropriate.
Managing risk before something happens
Insurance provides important financial protection, but preventing or reducing the impact of an incident is equally important.
Fire protection, electrical maintenance, security, storage practices, housekeeping, equipment maintenance and business continuity planning can all influence property risk.
At RSM Group, we work with businesses to understand these exposures and identify practical opportunities to strengthen risk management.
A proactive approach can help protect your people and assets, minimise disruption and demonstrate to insurers that your business takes property risk seriously.
A major property claim can be one of the most disruptive events a business experiences.
There may be damaged buildings and equipment, lost stock, interrupted operations, assessors, repairers and multiple parties involved in getting the business operating again.
At RSM Group, your claim isn’t simply handed over to a separate claims department. Your dedicated Account Manager, the person who understands your business, assessed your risks and helped develop your insurance program remains your advocate throughout the claims process.
They understand not only what has been damaged, but how that damage affects your business. This continuity allows us to communicate effectively with insurers, keep you informed and advocate for the best possible outcome while helping you move towards recovery.
As an independent, family owned brokerage, we answer to our clients, not insurance companies. We aren’t restricted by any preferred insurer arrangements which means we can focus on finding the solution that’s right for your business. By taking the time to understand your operations and risks, we provide tailored advice, broader market access and the confidence that every recommendation is made with your best interests in mind.
Independent
Family-owned
No preferred insurer panels
No insurer ownership
Advice driven by client needs
Different Businesses. Different Property Risks.
Property exposures vary significantly depending on where and how your business operates. RSM Group works with businesses across industries including:
The right property insurance program considers more than the value of your buildings and contents. It considers what would happen to your business if those assets were suddenly unavailable.
Talk to RSM Group about your property, your operations and how we can help protect your assets and business continuity.
