Protect your company's financial health. RMO business financial protection products guard against fraud, unauthorized transactions, and financial risks that can impact your bottom line.
Comprehensive protection designed for your specific needs.
Continuous monitoring of your business accounts and transactions for suspicious activity.
Tools and policies that reduce your company's exposure to financial threats.
Instant notifications when unusual activity is detected on your business accounts.
Dedicated support to help your business recover if a financial breach occurs.
Protection built on the strength of your membership.
Catch threats before they cause damage with proactive monitoring.
Financial fraud can devastate a business — protection is an investment in continuity.
Our security team stays ahead of evolving threats to keep your business safe.
Yes — wire fraud and payment dispute coverage are core BizGuard inclusions, available starting at the BizGuard I tier. Wire fraud / social engineering coverage: Pays losses when an employee is deceived into wiring funds to a fraudulent account (phishing, business email compromise, vendor impersonation). Coverage limits scale by tier; BizGuard III and IV include expanded limits and faster response. Most policies require basic security controls (e.g., wire-transfer dual approval) to qualify. Payment dispute and chargeback coverage: Covers losses from card-not-present chargebacks beyond your normal reserve. Useful for e-commerce and subscription businesses with elevated dispute…
If you experience a qualifying income disruption, you can activate your RMO Financial Protection benefits by filing a claim through MyRMO. Steps to File a Claim: Log in to MyRMO and navigate to "Protection" then "Financial Protection." Select "File a Claim." Choose the qualifying event type: involuntary job loss, qualifying medical event, or natural disaster displacement. Provide supporting documentation: Job Loss: Termination letter or separation notice, unemployment benefits determination (if applicable). Medical Event: Doctor's statement confirming inability to work. Natural Disaster: FEMA declaration or proof of displacement. Enter your current monthly expenses in the…
BizGuard (financial protection) and BizCyber (cyber insurance) often get confused because both can pay after a wire-fraud or phishing incident — but they're built for different sets of exposures and the two products are best used together. BizCyber focuses on technical-incident coverage: Data breaches and the cost of notifying affected customers. Ransomware extortion and recovery. Network downtime and business interruption from cyber events. Third-party liability when customer data is exposed. Regulatory fines where insurable. BizGuard focuses on financial-event coverage: Wire fraud and social engineering payments. Chargebacks and payment disputes. Key-person coverage when a…
RMO Financial Protection plans are designed to cover the essential expenses that continue even when your income is disrupted. Coverage varies by plan tier. Basic Necessities (All Tiers): Groceries and food essentials Utility bills (electricity, gas, water, internet) Phone and basic communication costs Housing (MyShield II and Above): Monthly rent or mortgage payment (up to the plan limit) Renter's or homeowner's insurance premiums Expanded Essentials (MyShield III and Above): Transportation (car payment, fuel, public transit) Childcare and dependent care expenses Medical copays and prescription costs Comprehensive Support (MyShield IV Only): Student loan or qualifying debt…
BizGuard is RMO's financial protection product line for businesses. It covers exposures that go beyond traditional commercial property and liability — fraud, payment disputes, key-person events, and revenue protection. RMO BizGuard tiers: BizGuard I ($12/mo) — basic financial protection against fraud and payment disputes for small businesses. BizGuard II ($25/mo) — key-person coverage and expanded financial safeguards for growing businesses. BizGuard III ($45/mo) — comprehensive revenue protection and cyber-fraud coverage for mid-market companies. BizGuard IV ($75/mo) — maximum financial protection with executive liability coverage for enterprises. Common BizGuard claim scenarios: …
RMO Financial Protection is a safety-net program designed to help you cover essential living expenses if you experience an involuntary income disruption such as job loss, a qualifying medical event, or a natural disaster. Plan Tiers: MyShield I: Provides a monthly benefit to cover basic necessities such as groceries and utilities for up to 3 months. MyShield II: Covers housing costs (rent or mortgage) in addition to basic necessities for up to 6 months. MyShield III: Includes all MyShield II benefits plus transportation, childcare, and medical copay assistance for up to 9 months. MyShield IV: Our most comprehensive plan, covering all MyShield III benefits plus student loan or debt…
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