Our service

A wastepaper basket burns. Someone falls down the stairs. A machine breaks down and production comes to a standstill. A leading, important employee has an accident, with serious injuries that lead to invalidity. The doctor sends a director off for a six month treatment course. The used material has a constructive error.

One can insure oneself. For better or for worse. Better means adequately, worse means inadequately. Better can sometimes turn out to be less expensive, worse is often more expensive, not only because one has to pay for the damage oneself but because of higher monthly premium due to lack of logic in the insurance policy.

When something occurs or happens one speaks of damage. (Where health and life insurances are concerned this may not be the adequate term.) A case of damage has to be settled. That is what insurances are here for. And the terms of the insurance policy are decisive. They stipulate which benefits a firm, an institution, a family, a single person may expect form the insurance company.

Unwanted things can also happen at this stage. As a matter of fact, not every single paragraph is well formulated, which can lead to interpretation differences. Reservations may have been overlooked. Laws or regulations may have changed since the subscription of the papers. A case of damage, an accident happens in a second but the settlement of the case may drag out, be delayed – why? What's the matter ? Do insurances gladly accept premiums but not settle their cases promptly?

An insurance should be there for its clients. In order to offer to clients the expected service, it needs an economic basis. Accordingly, the regulations have to be dealt with with exactitude and precision. This is no clash of interests, though.

HELP IN DEALING WITH RISKS MEANS THREE THINGS:

1. The acknowledging of risks and the evaluation of which ones can be covered through insurances.
2. The proper and financially favourable elaboration of an insurance policy for a given person, firm or institution. Overinsurance or underinsurance is to be avoided, double tracking to be excluded and the means of a individual insurance has to be appointed with as little risk as possible.
3. When it comes to settling a case of damage, with the knowledge of all laws and regulations, the most favourable and amicable solution has to be found.

With these points, the activity range of our firm RMS, Risk Management Service, is defined. A few examples should now describe the way we work. In business language one speaks of case stories. We prefer calling them tales.

How are the services of RMS compensated?

RMS earns its money in one of the following ways according to the case:

• The insurance companies where RMS clients are insured pays a commission, RMS therefore receives a premium share of the managed contracts – RMS clients do not pay anything.
• When setting up insurance contracts RMS receives a provision from the insurance companies which, by the way, is the same for every firm – again RMS clients do not pay anything.
• For special and individual services RMS charges to the client’s account – the latter knows in advance what the provided service will cost in any case.
• The ideal case: thanks to the work of RMS the clients' premiums diminish – and services of RMS are yet fully compensated. It is our policy to inform our clients thoroughly about the compensation of our services on application. Don't hesitate to ask us.

It is our policy to inform our clients thoroughly about the compensation of our services on application. Don't hesitate to ask us.