An operations protection claim is built to do two things at once: get the disruption resolved and make the business whole for the loss. This is the full walkthrough — from the first incident report to a settled claim.
An operations protection claim is not just a request for a payout — it is the start of a coordinated recovery. The moment a disruption is reported, two things run in parallel: RMO’s incident response works to get the business operating again, and the claim is assessed to make the business whole for the revenue and expenses the disruption cost.
Every claim moves through four stages: report the incident, incident response, document the loss, and resolution. How fast the response moves depends on your BizOps Shield tier. The rest of this guide walks through each stage.
You can track the incident and claim status in MyRMO throughout, so the business always knows where things stand.
Two things shape how an operations protection claim feels in practice: how fast the response is, and how cleanly the loss is documented.
Response speed scales with tier. BizOps Shield II includes a 48-hour incident response, tier III targets a 24-hour resolution, and tier IV provides a dedicated incident response team. All tiers use digital incident reporting, so a claim can be opened the moment a disruption happens, at any hour.
Documentation drives the settlement. The business interruption portion of a claim rests on financial records — revenue during normal operations against revenue during the interruption, plus the continuing and extra expenses incurred. Businesses that keep clear, current financial records can document a loss far faster. Keeping good records before an incident is the single best way to speed a claim after one.
Any deductible depends on the tier — BizOps Shield IV carries a $0 deductible on all claims, while lower tiers may apply one; your plan documents in MyRMO show the exact terms. For the claims process across every RMO Protection plan, see the RMO Protection claims walkthrough.
Submit a digital incident report in MyRMO as soon as the disruption occurs, describing the affected location and what happened. RMO’s incident response then engages to coordinate the recovery, you document the lost revenue and continuing expenses, and the claim is settled once reviewed and approved.
Response speed depends on the plan tier. RMO BizOps Shield II includes a 48-hour incident response, tier III targets a 24-hour resolution, and tier IV provides a dedicated incident response team. All tiers use digital incident reporting so a claim can be opened immediately.
Beyond the incident report, an operations protection claim needs records that establish the loss — financial records showing revenue during normal operations versus the interruption, and documentation of continuing and extra expenses incurred during the disruption.
Any deductible depends on the plan tier. RMO BizOps Shield IV includes a $0 deductible on all claims, while lower tiers may apply a deductible. Your plan documents in MyRMO show the exact terms.
Keep building your picture of operations protection:
