Operations protection covers the losses a business absorbs when something stops it from running normally. Here is what a plan covers, what it does not, and how tiers expand it — so you know what stands between a disruption and your revenue.
Operations protection — sometimes called business interruption or business continuity coverage — exists for one purpose: to keep a business financially whole when a covered event stops it from operating normally. Where general liability protects other people harmed by your business, operations protection protects your business’s own revenue and continuing costs.
It is built around the reality that a disruption costs money in two directions at once: revenue stops coming in, while fixed expenses keep going out. RMO BizOps Shield is built in four tiers, scaling from a single-location business up to an enterprise with unlimited locations. The rest of this guide walks through what is covered and how tiers change it.
Operations protection is built around the ways day-to-day operations get interrupted:
That last item is what separates operations protection from a pure payout: it does not only reimburse the loss, it works to end the disruption faster. Business interruption coverage is detailed in its own guide.
RMO BizOps Shield scales with the size and complexity of the business:
The pattern is consistent: higher tiers cover more locations and respond faster. The right tier matches the number of locations you run and how quickly a disruption would need to be resolved before it became serious. One boundary to keep in mind — operations protection covers your own losses from a disruption; third-party claims against your business are the job of general liability, covered in the comparison guide.
Operations protection covers a business’s own losses when day-to-day operations are disrupted. Core coverage includes equipment downtime, business interruption, and rapid response services, with supply-chain disruption added at higher tiers. RMO BizOps Shield offers four tiers covering one location up to unlimited locations.
Yes. A central part of operations protection is replacing lost revenue when a covered event pauses normal operations — both income lost while operations are stopped and revenue lost while critical equipment is being repaired or replaced.
Supply-chain disruption coverage is included at higher tiers. RMO BizOps Shield adds protection for losses tied to supplier or vendor failures from BizOps Shield II and above.
Tiers expand the number of covered locations and the speed of response. RMO BizOps Shield I covers one location with equipment downtime coverage; tier II adds supply-chain protection and up to three locations; tier III covers up to ten locations with a 24-hour resolution target; tier IV covers unlimited locations with a dedicated incident response team and a $0 deductible.
Now that you know what coverage looks like, these guides help you act:
