Every interaction your business has with customers, suppliers, contractors and the public can create potential liability. An accident, injury, property damage or allegation that your business has caused loss can quickly become complex, costly and disruptive.
At RSM Group, we take the time to understand how your business operates, where potential liability exposures exist and the consequences they could have for your business. We then work with you to develop an insurance solution tailored to your risks.
Understanding your exposure comes first
Liability risk looks different for every business.
A transport operator working at customer sites faces very different exposures from a builder managing subcontractors, an arborist working in public spaces or a hospitality venue welcoming hundreds of customers each week. That’s why our approach starts with understanding your operations.
We consider the work you perform, where you perform it, who you interact with, the products or services you provide, your contractual obligations and the potential consequences if something goes wrong. This understanding allows us to identify key exposures and develop liability insurance arrangements that reflect the way your business actually operates.
Different risks require different protection
Liability insurance can encompass several forms of cover depending on the nature of your business and the risks you face.
The appropriate combination of cover will depend on your business. RSM Group works with you to understand those exposures and determine the insurance solutions relevant to your circumstances.
Public Liability
Can help protect your business against certain claims involving personal injury or property damage arising from your business activities.
Products Liability
Can provide protection where products your business manufactures, supplies, sells or distributes cause certain injury or property damage.
Professional Liability
Businesses providing professional advice or services may face claims alleging errors, omissions or failures that result in financial loss. Depending on your operations, Professional Indemnity insurance may form an important part of your overall liability protection.
Management Liability
Businesses and their directors or officers can face exposures arising from the management of the organisation, including certain employment practices, regulatory matters and other management-related claims.
Managing risk before a claim occurs
Insurance is an important part of managing liability risk, but it isn’t the only consideration.
Workplace procedures, employee training, contractor management, customer interactions, documentation, incident reporting and contractual arrangements can all influence your exposure to liability claims.
At RSM Group, we work with clients to identify key areas of risk and consider practical strategies that may help reduce the likelihood or impact of an incident.
A proactive approach can help protect your business while also demonstrating to insurers that liability risk is being actively managed.
Liability claims can be complex. They may involve injured parties, customers, contractors, lawyers, insurers and other stakeholders. That’s when having an adviser who already understands your business is valuable.
At RSM Group, your claim isn’t simply handed over to a separate claims department. Your dedicated Account Manager, the person who understands your operations, assessed your risks and helped develop your insurance program remains your advocate throughout the claims process.
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
Industry knowledge makes a difference
Understanding liability risk requires an understanding of how a business actually operates.
RSM Group works with businesses across a range of industries where liability exposures can be complex, including:
Transport & Logistics
Waste & Resource Recovery
Civil Contractors
Construction
Aboriculture
Commercial Businesses
Hospitality
Family Entertainment
Our industry knowledge helps us understand the risks associated with your operations and develop insurance solutions relevant to your business.
