Automotive supplier
The automotive industry, including the automotive supply industry, is a key sector in Germany and throughout Europe. The industry is characterised by global supply chains and strong interdependencies. We support our customers against the backdrop of complex contractual regulations with a customised risk assessment. This forms the basis for customised insurance policies, which we also optimise with our own terms and conditions. In this way, we do justice to the high complexity of the automotive industry.
Relevant insurance in the automotive industry:
- Property and business interruption insurance
- Technical insurance (machinery insurance, electronics insurance, assembly insurance)
- Transport insurance
- Business and product liability insurance (if applicable, including recall cost insurance, loss of use, etc.)
- Recall cost insurance
- D & O insurance
- Criminal law insurance
- Cyber insurance
Main / ancillary building trade
The construction industry in Germany has to deal with many challenges: A shortage of skilled labour, rising raw material prices and the strict requirements regarding “sustainability” are typical future issues for this industry. Added to this are increased risks due to climate change and natural disasters.
To ensure that you as a company in the construction industry are optimally insured, we support you with customised risk analyses and insurance solutions.
Insurance for the construction industry:
- Professional liability insurance for planners and architects
- Business interruption insurance for the consequences of construction damage
- Property and business interruption insurance
- Technical insurance (machinery insurance, electronics insurance)
- Transport insurance
- Construction insurance
- Business and product liability insurance
- D & O insurance
- Criminal law insurance
- Cyber insurance
- Deposits / guarantees
- Car insurance
Chemical companies
Chemical companies cover a wide spectrum – from basic and speciality chemicals to polymers and additives to high-performance materials for industry, health and consumer goods. The industry is characterised by demanding operational processes, strict safety and environmental regulations (e.g. REACH, CLP), complex hazardous materials logistics and high fire protection and liability requirements.
Holistic risk management is essential for chemical companies. It takes into account technical risks along the production chain, environmental risks from substance release, product liability, and regulatory and international compliance issues.
Insurance for the chemical industry:
- Business and product liability insurance (including recall)
- Environmental liability and environmental damage insurance
- Property and business interruption insurance
- Transport/dangerous goods insurance
- Plant and machinery insurance
- D & O insurance
- Cyber insurance
- Trade credit and fidelity insurance
- Legal protection insurance
- Car insurance
- International insurance programmes
Liberal professions
Freelance professionals, e.g. lawyers, tax advisors and auditors, experts, doctors, property managers and architects, provide highly qualified services, often consultancy services. Consultancy errors and the resulting financial loss are the main risks for the liberal professions. We protect our clients from the financial consequences with the right insurance policies.
Insurance for the liberal professions:
- Financial loss insurance including public liability insurance
- Property and business interruption insurance
- Electronics insurance
- Criminal law insurance
- Cyber insurance
Trading company
Retail companies, whether they are small family businesses or international wholesalers, organise the purchase of goods from various manufacturers or suppliers, the transport, storage and consolidation of the goods into a range, as well as their sale without the goods being significantly altered or processed. We support our customers in the retail sector with the right insurance policies for wholesale and retail on the basis of a comprehensive sector and company-specific risk analysis.
Insurance for the retail trade:
- Property and business interruption insurance
- Electronics insurance
- Transport insurance
- Public and product liability (including recall costs / product protection where applicable)
- D & O insurance
- Criminal law insurance
- Cyber insurance
- Trade credit insurance
- Fidelity insurance
- Car insurance
Healthcare
With its responsible tasks and incredible complexity, healthcare presents many challenges – whether it’s the considerable liability risks for doctors, the high-quality technical equipment in clinics or the increasing demands on care facilities. The broad range of tasks on the one hand and the legal requirements and controls on the other require ever greater organisational and administrative effort. Complex liability situations arise time and again that need to be covered by an individual insurance concept. This is why the interaction of risk and insurance management is essential in this area in particular. This makes it all the more important to have a competent partner at your side who understands the risks of the healthcare industry and can put together comprehensive, tailor-made concepts and flexible solutions.
Our specially trained healthcare team understands the background of the industry and the wide range of insurance options available on the market. With us at your side, you are well prepared for the growing challenges in the healthcare market.
Insurances for healthcare services
- Property and business interruption insurance
- Business closure insurance within the meaning of the Infection Protection Act
- Electronics insurance for general and medical technology
- Public liability insurance
- D & O insurance
- Legal expenses insurance
- Financial loss liability (for own and third-party damage)
- Cyber insurance
- Car insurance
- Construction insurance (for complex hospital construction, expansion and renovation projects)
Hotel and catering industry (DEHOGA)
Your guests trust your qualities – trust ours. Because we know your industry and its typical challenges not from theory, but from concrete and sometimes long-standing customer relationships.
As part of our free RVM insurance check, we will identify any gaps in cover or double insurance for you and find exactly the insurance cover that suits your needs. You also benefit from attractive framework conditions that we have agreed exclusively for members of DEHOGA Baden-Württemberg.
Our exclusive promise for all DEHOGA Baden-Württemberg members:
We will pay you EUR 100 if our insurance check of your company property/liability insurance results in cost savings of at least 10 %. And, of course, the quality of the insurance cover remains at least the same.
Insurance for the hotel / catering industry:
- Property and business interruption insurance
- Business closure insurance
- Electronics insurance (e.g. for cash registers and scales)
- Machinery insurance (e.g. kitchen, house or swimming pool technology, etc.)
- Public liability insurance
- D & O insurance
- Legal expenses insurance
- Hotel cancellation insurance
- Cyber insurance
- Car insurance
Food industry
In order to supply their customers quickly and efficiently, the food and beverage industries are focussing on maximum productivity. In addition, there are requirements regarding the sustainability of activities: energy efficiency and resource conservation are increasingly important factors for success in global competition. However, the requirements for technical and organisational fire protection are also becoming ever greater in the food industry.
In order to create a level playing field in negotiations with insurers in this respect, we not only stand by our customers in all matters relating to fire protection. With our own industry-specific insurance conditions for the food industry, we also ensure the best possible insurance.
Insurance for the food industry:
- Property and business interruption insurance
- Business closure insurance
- Refrigerated goods insurance
- Electronics insurance
- Transport insurance
- Public and product liability (including recall costs/product protection where applicable)
- D & O insurance
- Criminal law insurance
- Cyber insurance
- Trade credit insurance
- Fidelity insurance
- Car insurance
Life science / pharmaceutical companies
The life sciences and pharmaceutical industry encompasses research and development, clinical trials, regulatory approval procedures, and the production and distribution of pharmaceuticals, biotechnology products and diagnostic solutions of all kinds. Companies in this industry face high regulatory requirements (e.g. GMP, FDA), complex supply chains and significant product and liability risks.
Professional risk and insurance management helps to make this complexity manageable and ensure long-term business success. In doing so, we take into account the specific challenges of research, production and international sales in this highly dynamic market environment.
Insurance for the life sciences / pharmaceutical industry:
- Business and product liability insurance (also in accordance with the German Medicines Act (AMG))
- Property and business interruption insurance
- Subject insurance
- Production and plant insurance (including electronics and machinery insurance)
- Transport insurance
- Refrigerated goods insurance (transport and storage)
- D & O insurance
- Cyber insurance
- Trade credit and fidelity insurance
- Legal protection insurance
- Car insurance
- International insurance programmes
Logistics companies / freight forwarders
Transport is an indispensable part of global economic traffic. Globalisation means that the logistics sector is becoming increasingly important. Logistics consists of procurement logistics, production logistics, distribution logistics and disposal logistics. This ranges from the procurement of raw materials to the production of goods to marketing and despatch.
Transport liability insurance is at the centre of every insurance solution for logistics service providers. It covers both damage to goods, e.g. from loss or damage to goods in transit, as well as financial losses. In view of the ever-expanding services in this sector (e.g. the assumption of “classic” production activities), detailed and regular risk assessment is important in order to tailor the insurance policies accordingly and expand them if necessary.
Insurance for logistics companies:
- Transport/carrier insurance
- Property and business interruption insurance
- Electronics insurance
- Transport insurance
- Public and product liability
- D & O insurance
- Criminal law insurance
- Cyber insurance
- Trade credit insurance
- Car insurance
Mechanical engineering company
The German mechanical engineering sector comprises over 6,000 companies with a total of over one million employees. Most of them work in the fields of machine tools, drive technology and materials handling equipment. The diverse operational risks in the industry require intelligent risk and insurance management.
Relevant insurances in the mechanical engineering sector:
- Property and business interruption insurance
- Technical insurance (machinery insurance, electronics insurance, assembly insurance)
- Transport insurance
- Business and product liability insurance (including recall cost insurance, loss of use, etc., if applicable)
- Assembly insurance
- D & O insurance
- Criminal law insurance
- Cyber insurance
- Car insurance
- International insurance programmes
Medical technology company
When insuring manufacturers of medical devices, insurance companies are generally sensitive and cautious, especially with regard to not inconsiderable liability risks. Together with our customers, we make risks transparent and calculable. We know the requirements of the industry and have appropriate cover solutions at the ready. End-to-end risk and quality management systems, seamless traceability, consideration of the entire product life cycle, EUDAMED upload and much more: the European Medical Device Regulation (MDR) places numerous regulatory requirements on quality management, and we advise and support our customers in this area too.
Insurance for manufacturers of medical devices:
- Property and business interruption insurance
- Electronics insurance
- Transport insurance
- Public and product liability (including recall costs / product protection where applicable)
- D & O insurance
- Criminal law insurance
- Cyber insurance
- Trade credit insurance
- Fidelity insurance
- Car insurance
Real estate / property sector
The property sector plays an important role for Germany and the European Union. Property companies on the market must be dynamic and flexible in order to support overall economic growth and provide society with living and working spaces.
Our experts provide advice on all relevant issues, e.g. financing, project development and, of course, insurance. We handle claims quickly and unbureaucratically. The insurance of “own damage” to the planned property and insurance solutions for all companies involved in the construction demonstrate our innovative risk transfer.
Insurance in the property sector:
- Building insurance
- Financial loss liability
- Builder's liability
- Business interruption insurance for the consequences of construction damage
- Fire shell insurance
- Loss of rent and business interruption insurance
- Public liability
- D & O and M & A insurance
- Criminal law insurance
- Cyber insurance
- Deposits / guarantees
Public utilities
Public utilities play a central role in municipal services. They are responsible for the secure supply of energy, water, heat and, in many cases, mobility issues such as public transport and e-mobility, including infrastructure. The operation of critical infrastructure, extensive technical facilities, high investment volumes and increasing regulatory requirements – for example, in the context of the energy transition, environmental and data protection law – make municipal utilities particularly demanding risk carriers.
Structured risk and insurance management is therefore essential. It combines technical, legal and organisational aspects and takes into account both classic operational risks and new challenges such as cyber attacks, supply failures or liability issues in the context of renewable energies and modern network infrastructures.
Insurance for public utilities:
- Property and business interruption insurance / additional costs
- Machinery insurance including contracting equipment
- Cyber insurance
- D & O insurance
- First-party loss insurance
- Municipal and criminal legal protection insurance
- Motor fleet insurance
- Bad debt and insolvency contestation insurance
- Municipal liability insurance
Textile company
The textile industry is characterised by high competitive pressure, enormous demands in the area of “sustainability” and the growing importance of occupational health and safety in supply chains. We advise spinning mills, weaving mills, embroiderers, clothing manufacturers, textile finishing companies and textile retailers on all aspects of their insurance policies. We develop suitable insurance solutions for these companies in the textile industry that fulfil the diverse requirements, such as the interaction issues between suppliers and our customers.
Insurance for the textile industry:
- Property and business interruption insurance
- Technical insurance (machinery insurance, electronics insurance)
- Transport insurance
- Public and product liability (including recall costs if applicable)
- D & O insurance
- Criminal law insurance
- Cyber insurance
- Trade credit insurance
Associations / Association concepts
Concepts for associations are a particular speciality of RVM. Our services are aimed at the associations themselves, but also at all companies that are members of an association. There are good reasons for our involvement in the association sector: On the one hand, over the years we have acquired a great deal of specialised knowledge with regard to the insurance strategies required for the respective association. Above all, however, the associations benefit from joint framework agreements and insurance programmes for their members.
Do you represent an association? Simply get in touch with us and we will be happy to explain how we can work for your association. We would be happy to work with you to develop an insurance package that offers your members many benefits and makes your association even more attractive.