Keep your business running even when the unexpected happens. RMO operations protection covers business interruption, liability, and operational risks that could disrupt your company.
Comprehensive protection designed for your specific needs.
Coverage for lost income when your business is forced to pause due to covered events.
Protection against third-party claims of injury or property damage.
Coverage for errors, omissions, and professional service claims.
Resources and guidance to help prevent operational losses before they happen.
Protection built on the strength of your membership.
Operations protection helps your business survive disruptions that would otherwise shut you down.
Multiple coverage types under one umbrella for simplified risk management.
The cost of protection is minimal compared to the cost of an uninsured disruption.
General liability and operations protection are both core business coverages, but they protect against different things. General liability (GL): covers third-party claims — when someone else is harmed and they sue your business. A customer slips and falls at your storefront. Your work damages a client's property. An advertising claim alleging libel or copyright infringement. Operations protection / business interruption: covers your business's own losses — lost revenue and continuing expenses when a covered event interrupts operations. A fire damages your equipment and you lose two weeks of revenue. A critical machine breaks down and operations pause for a week. A supplier fails and…
Business interruption coverage replaces lost income and pays continuing operating expenses when a covered event temporarily prevents your business from operating normally. What's typically included: Lost net income — what your business would have earned during the interruption period. Continuing expenses — payroll, lease, loan payments, and other fixed costs that don't pause. Extra expenses — additional costs incurred to keep operating (e.g., temporary location rent, expedited equipment shipping). Restoration period — typically the time it takes to repair/replace damaged property and resume normal operations. Common triggers (vary by policy): Damage to your premises from a covered…
Operations protection — sometimes called business interruption or business continuity coverage — pays a business when day-to-day operations are disrupted by a covered event. What operations protection covers: Equipment downtime — revenue lost while critical equipment is being repaired or replaced. Business interruption — lost revenue while operations are paused for a covered cause. Supply-chain disruption — at higher tiers, coverage for losses tied to supplier or vendor failures. Rapid response services — incident response, repair coordination, and emergency vendor access. RMO BizOps Shield tiers: BizOps Shield I ($15/mo) — basic equipment downtime and business interruption…
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Plain-English guides on what a plan covers, how it differs from liability, and how claims work.
Read the GuidesFind answers to common questions about operations protection, eligibility, and account management.
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