Business Risk Management Issues & Services

Why Risk Management?

RM Solutions advocates a strategic approach for managing business and operating risks. Developing and implementing a Strategic Risk Management program will enable an organization to meet or exceed its corporate governance obligations and manage the prominent risks that impact on reputation and financial stability.

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Insurance and Risk Financing

RM Solutions can assist your organization by customizing cost-effective and responsive programs to finance risk. We access traditional insurance and reinsurance markets as well as alternative risk transfer (ART) markets and offshore captive insurance facilities. A properly designed risk financing program will provide essential support for managing the prominent risks that can impact on your business.

Environmental Insurance & Risk Financing Solutions

Developing and implementing an effective environmental risk financing program requires the focused efforts of a multi-disciplinary team of professionals with experience in the legal, engineering, financial, real estate and insurance issues of a contaminated site. We work closely with the client and its advisors and we are unencumbered by normal broker conflicts and pressures.

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Pollution Insurance - Environmental Insurance Placement

RM Solutions has recently placed a comprehensive Pollution Liability Insurance policy on behalf of a Canadian real estate development company that purchased a contaminated industrial site. The company specializes in "brownfield" property redevelopment.

Captives and Alternative Risk Financing

A soundly constructed and professionally managed captive insurance company that is supported by world-class reinsurance partners is a vital tool available to the modern Risk Manager. Some of the important benefits of a captive insurance company are:

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Captive Program Stabilizes Global Casualty Program

This Canadian-based industrial manufacturer with global operations relied on protection provided by a traditional casualty insurance program. The program consisted of general/products liability and automobile liability policies in the primary layer with relatively insignificant deductibles and an umbrella liability policy providing the required excess limits.

Occupational Health and Safety

Facility assessments conducted for compliance with internal company policies and occupational health and safety legislation such as Industrial Establishments Regulation, Workplace Hazardous Materials Information System (WHIMS) Regulation, Control of Exposure to Biological and Chemical Agents Regulation and designated substance regulations.

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Occupational Health, Safety, and Environmental Services

RM Solutions provides risk management services on occupational health, safety and environmental (HSE), concerns to manufacturers, service organizations and public institutions.

Environmental Management Systems

Initial gap analysis to determine the status of an organization's legislative compliance status and its environmental management system (EMS) relative to ISO 14001 or CSA Z809 Sustainable Forest Management System. Support in the internal EMS audit function to assure independence.

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