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our id Integrity Independence Experience.
Integrity. Independence. Experience. Choose a partner with the knowledge
and experience required by the industry
ES / EN

RMB Insurance Brokers

C/Arenal 18, 3ª Pta. 36201 Vigo, Spain
T: +34 986 411 488 - F: +34 986 418 816
info@rmb.es · www.rmb.es

Integrity. Independence. Experience. Choose a partner with the knowledge
and experience required by the industry
ES / EN

RMB Insurance Brokers

C/Arenal 18, 3ª Pta. 36201 Vigo, Spain
T: +34 986 411 488 - F: +34 986 418 816
info@rmb.es · www.rmb.es

Integrity. Independence. Experience. Choose a partner with the knowledge
and experience required by the industry
ES / EN

RMB Insurance Brokers

C/Arenal 18, 3ª Pta. 36201 Vigo, Spain
T: +34 986 411 488 - F: +34 986 418 816
info@rmb.es · www.rmb.es

By Product

By Product

Risk Consulting / Brokerage / Special Advisory

Understanding before advising

Risk Consulting

1

Risk Maps – Contingency Plans

RMB studies each client’s business model, analyzes the potential risks, proposes covers and prepares contingency plans adapted to the business evolution and its environment.

Brokerage

2

Brokerage - Direct & Reinsurance

RMB brokers in the main worldwide insurance and reinsurance markets, guaranteeing to its clients a direct management of the risk transfer process, providing accountability, information and cost optimization throughout the entire cycle.

Special Advisory

3

Risk Compliance

RMB collaborates with its clients to design and implement the internal control systems required by their Risk Maps, as well as in the regulations in force or by the supervisory authorities (good governance rules, CNMV, etc.).

4

Due Diligence

When important decisions have to be taken —i.e. the acquisition of a company by another one— a full analysis of the target company’s insurance program can be revealing for the identification of its weaknesses, to choose the appropriate cover and to highlight hidden liabilities.

5

Tax Optimization

Design of international insurance program structures that guarantee the observance of the applicable tax regulations (local and international) for the organization, as well as the optimum receipt of compensatory resources in case of accident.

By Sector

Hulls and Cargo The history of insurance

The history of insurance starts with hulls and cargo insurance. So does RMB. Since 1954, we have been offering comprehensive solutions for ship-owners, charterers, traders, shipyards, port operators and port authorities, as well as for the whole ancillary industry. From the beginning, we understood that the idiosyncrasy surrounding their activities makes them face an incomparable and extraordinary range of hazards at work.

Beatriz García González-Aparicio Maritime Risks and Transportation
Aquaculture Assuring and insuring your future

Nowadays, 50% of the fish and consumption proteins come from aquaculture. This sector will keep growing in a significant way in the forthcoming years. Aquaculture presents risks and constant challenges that require a great experience and technical terms in the risk transfer process. RMB is the reference broker in this industry.

César Real R. de Legísima Aquaculture and special risks
Industrial Risks A high precision level

A high precision level is required to cover risks of certain origin, but uncertain reach. Now, more than ever, the effects of the activities carried out by the companies can go beyond the ones that originated them. The same happens with the risks they face. Thus, RMB has a team of specialists whose main mission is to establish, together with our clients and technicians of reference, the maximum potential reach of an accident, being able to structure the appropriate cover to guarantee the continuity of the business.

Miguel González García Industrial Risks and Credit
Special Risks The whole is the new specific

In this increasingly complex and interrelated world, the risks faced by the organizations are more and more particular and specific: clinical tests, kidnap & ransom, piracy, loss of hire, environmental risks, cyber risk, stock market activities... RMB, with direct access to the world markets, updates for its clients the special covers required in each case.

César Real R. de Legísima Aquaculture and special risks
SMEs and Linked Companies The business essence

Not all clients are the same, especially when talking about SMEs or Family Offices. On a different scale, they are just business conglomerates with similar objectives to the big multinational companies, but they must face the same difficulties with fewer resources. The fact of understanding this reality has made us different.

Francisco Barreras Alén SMEs Risks and related companies


Hulls and Cargo The history of insurance The history of insurance starts with hulls and cargo insurance. So does RMB. Since 1954, we have been offering comprehensive solutions for ship-owners, charterers, traders, shipyards, port operators and port authorities, as well as for the whole ancillary industry. From the beginning, we understood that the idiosyncrasy surrounding their activities makes them face an incomparable and extraordinary range of hazards at work.
Beatriz García González-Aparicio Maritime Risks and Transportation
Aquaculture Assuring and insuring your future Nowadays, 50% of the fish and consumption proteins come from aquaculture. This sector will keep growing in a significant way in the forthcoming years. Aquaculture presents risks and constant challenges that require a great experience and technical terms in the risk transfer process. RMB is the reference broker in this industry.
César Real R. de Legísima Aquaculture and special risks
Industrial Risks A high precision level A high precision level is required to cover risks of certain origin, but uncertain reach. Now, more than ever, the effects of the activities carried out by the companies can go beyond the ones that originated them. The same happens with the risks they face. Thus, RMB has a team of specialists whose main mission is to establish, together with our clients and technicians of reference, the maximum potential reach of an accident, being able to structure the appropriate cover to guarantee the continuity of the business.
Miguel González García Industrial Risks and Credit
Special Risks The whole is the new specific In this increasingly complex and interrelated world, the risks faced by the organizations are more and more particular and specific: clinical tests, kidnap & ransom, piracy, loss of hire, environmental risks, cyber risk, stock market activities... RMB, with direct access to the world markets, updates for its clients the special covers required in each case.
César Real R. de Legísima Aquaculture and special risks
SMEs and Linked Companies The business essence Not all clients are the same, especially when talking about SMEs or Family Offices. On a different scale, they are just business conglomerates with similar objectives to the big multinational companies, but they must face the same difficulties with fewer resources. The fact of understanding this reality has made us different.
Francisco Barreras Alén SMEs Risks and related companies

By Solution

By Solution: The following insurance solutions managed by RMB, closely linked to our sectors of specialty and all of them focused on guaranteeing the continuity of its organization before an adverse event, must be highlighted:

Beatriz García González-Aparicio

If we jointly consider the average unit value-added of a vessel and the economic fact that indicates that most of the international commerce takes place through the sea, we understand the significant liabilities that can be involved by an accident.

Beatriz García González-Aparicio

The companies tend to believe that haulage contractors and transportation agents are liable for the loss or damage of their goods, but they do not know that, according to the national and international legislation, their liability is limited and vague.
We aim to offer flexible and ad-hoc insurance solutions, placing particular emphasis on the financial security of our clients.

Beatriz García González-Aparicio

From the 19th century and as a result of the great expansion of the world market, vessels start to really need protection against the damages they cause to third parties, to such extent that nowadays it seems unthinkable to imagine a vessel without P&I cover.

César Real R. de Legísima

Piracy is considered a gross average according to maritime legislation, but contrary to what could be thought, not all the expenses caused will be shared nor covered by the traditional hull, cargo or P&I policies. The expenses can be considerable and, therefore, it is essential for ship-owners to have solutions to these types of accidents that have become so frequent in the last few years.

César Real R. de Legísima

Regrettably, one of the risks sometimes faced by the organizations when they go international is having to work in countries where the staff’s safety can be questioned. Nowadays, the insurance market offers solutions, including the refund of the ransom money, search of negotiators, transfers, etc.

César Real R. de Legísima

Stock policies cover the mortality or physical damage to the animals insured as a result of a sudden and unexpected event. The policies can be prepared to cover all risks or nominated risks, being subscribed on the basis of values agreed according to the size of the animal insured.

Francisco Barreras Miguel González

By chance, we can damage other people or goods. This is the main target of civil liability insurance policies.
Given the unknown economic reach of the potential damage, as well as the previous establishment of the guilt level of the insured, a good professional advice is essential for the design of contracted policies, so in case of accident, the continuity of the organization will not be at stake.

Francisco Barreras Miguel González

On 1st May 2012, the new Law 26/2007 on Environmental Civil Liability came into force, introducing a new approach and severity in the prevention and repair of environmental disasters.
Given the characteristics established in the new regulation on environmental liability, such as its objectivity, its administrative and non-civil nature, its joint and several liability between officers and its limited nature, any organization responsible with the environment and its shareholders must rely on a correct analysis and cover.

Francisco Barreras Miguel González

In an increasingly judicial business environment, the Directors and Officers of the companies are more and more exposed to collateral liability lawsuits deriving from the decisions taken in their daily work, which interrupt the normal performance of their activity.

Francisco Barreras Miguel González

Even if property insurance is one of the most common, this is not the case of quality and rigor when implementing the insurance product. As a result, many organizations run the risk of not surviving a significant accident as a result of a faulty damage policy.

Miguel González García

Credit insurance protects the companies against non-payments. The essence of the work carried out by your RMB broker is a combined activity to prevent the insolvency risk through the continuous and dynamic analysis of the clients’credit behavior in their trade relations and an efficient management of recovery in case of non-payment.

Miguel González García

Political risks are highly unpredictable and can have a catastrophic impact on an organization’s assets. In RMB we have a wide experience in the management of insurance to invest in new projects, loans, credit balances or assets in leasing.



History

1954

In 1954, José Luis Merino and Enrique Barreras established Merino & Barreras, an insurance brokerage company focused on the maritime industry, to meet the specialized needs and the increasing strength of Vigo in the sector.

Throughout these years, and always with a special connection with the sea, RMB has developed, in collaboration with its clients, new covers adapted to the evolution of businesses and risks (Environmental Liability, Special Risks, Aquaculture, etc.).

RMB considers Independence an essential value to efficiently advise its clients. Shares are owned by the founding members and the managing team.

Our values have not changed since that day of 1954, when we opened our doors.


Our history begins every day

Our vision

Our values

Each client is different RMB analyzes the business model, diagnoses a Map of Risks and Contingencies, proposes covers and, finally, manages the most appropriate options for the client in the insurance and reinsurance market.

Independence RMB is not linked to any financial or insurance institution, so it is completely free to choose what is most appropriate for each client.

Professionalism Multilingual team with experience and training in business risks.

Dedication to service A good service involves helping our clients with specific information at very significant moments. Thus, RMB strongly invests in advanced systems, permitting your broker to provide you with the information required in every moment, with just one click and in any place.


24/7

It is our way of seeing and doing things.

Our 24/7 commitment. The sum of our effort.

In RMB, we firmly believe that a good service involves helping our clients with specific information at very significant moments.

Thus, RMB strongly invests in advanced systems, permitting your broker to provide you with the information required in every moment, with just one click and in any place.

24/7

It is our way of seeing and doing things.

Our 24/7 commitment. The sum of our effort.

En RMB creemos que un buen servicio implica ayudar a nuestros clientes con información precisa en los momentos de especial decisión.

Por ello, en RMB hemos invertido fuertemente en evanzados sistemas que permitan a su broker RMB facilitarle la información que requiere en cada instante, a un click y desde cualquier lugar.

Management Team

Staff Staff
our id
Integrity, Independence and Experience enjoy the highest priority

RMB a future-driven company with a long tradition. Not just in relation to our successful business activity as Insurance and Reinsurance brokers, but also in respect of the Integrity, Independence and Experience associated with it - one we exercise gladly and conscientiously.

César Real de Legísima
CEO

Master in Business Administration (MBA)
IESE and Tuck School of Business at Dartmouth

Graduate in Economics
Univ. San Pablo-CEU

Insurance Broker, Group A
Languages: English and French

"Probably, one of the achievements with a higher impact on the sustainability and development of humanity has been reaching the dream of harvesting the sea. Such an important and at the same time fragile achievement requires special protection. With customized insurance solutions for each species, jointly developed with our clients and the main markets.
RMB leads the experiences of this innovating sector."

Master’s Degree in Maritime Law
University of Southampton

Graduate in Law
Universidad Complutense

Languages: French, English and German

Master’s Degree in Maritime Law
University of La Coruña

Graduate in Law
University of Santiago de Compostela

Maritime Inspection
Richards Hogg, London

Insurance Broker, Group A
Languages: English and French

"In the Maritime Business Area, we plan and manage the insurance and reinsurance programs of the sea-industry companies from any part of the world. Our wide experience in the provision of insurance solutions, especially for the national and international fishing sector, enables us to provide our clients with a highly specialized service, both for the sailing and P&I risks, and for the logistics and transportation of goods"

Master’s Degree in Tax Consultancy
Business School of NCG

Graduate in Economics
University of Vigo

Insurance Broker, Group A

"Both in its local context and regarding internationalization projects, the company is exposed to threats that can come true. In RMB, we would like to offer customized solutions to identify, analyze and transfer these risks, reducing the impact produced by them in the business organization."

Insurance Broker, Group A

"Small and medium enterprises represent most of the companies operating in a country or region, becoming the real driving force of local economies. RMB pledges its firm commitment to their continuous evolution, adapting state-of-the-art insurance solutions to the sector, which were just available for big multinational companies."

»An open dialogue. The responsible action towards our workers, clients and commercial partners has accompanied the development of RMB since the beginning, becoming a comprehensive part of our business culture.

OPEN
DIALOGUE

100% of RMB’s staff has one of the 3 training levels recognized by the Insurance General Directorate for the execution of this activity.

×

César Real R. de Legísima

Chief Executive

Master in Business Administration (MBA)
IESE and Tuck School of Business at Dartmouth

Graduate in Economics
Univ. San Pablo-CEU

Insurance Broker, Group A
Languages: English and French

"Probably, one of the achievements with a higher impact on the sustainability and development of humanity has been reaching the dream of harvesting the sea. Such an important and at the same time fragile achievement requires special protection. With customized insurance solutions for each species, jointly developed with our clients and the main markets.
RMB leads the experiences of this innovating sector."
×

Guillermo Real R. de Legísima

Secretary of the Board

Master’s Degree in Maritime Law
University of Southampton

Graduate in Law
Universidad Complutense

Languages: French, English and German

 
×

Beatriz García González-Aparicio

Chief Operating Officer
Maritime Risks and Transportation

Master’s Degree in Maritime Law
University of La Coruña

Graduate in Law
University of Santiago de Compostela

Maritime Inspection
Richards Hogg, London

Insurance Broker, Group A
Languages: English and French

"In the Maritime Business Area, we plan and manage the insurance and reinsurance programs of the sea-industry companies from any part of the world. Our wide experience in the provision of insurance solutions, especially for the national and international fishing sector, enables us to provide our clients with a highly specialized service, both for the sailing and P&I risks, and for the logistics and transportation of goods"
×

Miguel González García

Chief Operating Officer
Industrial Risks and Credit

Master’s Degree in Tax Consultancy
Business School of NCG

Graduate in Economics
University of Vigo

Insurance Broker, Group A

"Both in its local context and regarding internationalization projects, the company is exposed to threats that can come true. In RMB, we would like to offer customized solutions to identify, analyze and transfer these risks, reducing the impact produced by them in the business organization."
×

Francisco Barreras Alén

Chief Operating Officer
SMEs Risks and Related Companies

Insurance Broker, Group A

"Small and medium enterprises represent most of the companies operating in a country or region, becoming the real driving force of local economies. RMB pledges its firm commitment to their continuous evolution, adapting state-of-the-art insurance solutions to the sector, which were just available for big multinational companies."

RMB worldwide

No matter where you are.
RBM will always be with you.

In this increasingly globalized and interconnected world, our clients’ transactions take place throughout the five continents, but in RMB, we understand that “international” must not involve “distance”.

For this reason, with the local support of the best brokers, direct access to the main insurance markets and strategic alliances which permit the design of the best insurance solution, all our clients’ transactions are personally managed, coordinated and supervised by your RMB broker.

RMB currently operates in:

United States

Mexico

Nicaragua

Guatemala

Honduras

Ecuador

Perú

Hijos

Argentina

Uruguay

Brazil

Malvinas

Mozambique

Namibia

South Africa

Angola

Spain

Portugal

France

Greece

Italy

Poland

Ireland

Russia



Publications

2013

Contact

Please, do not hesitate to phone us if you have any query.

986 411 488

RMB Insurance Brokers

C/Arenal 18, 3ª Pta. 36201 Vigo, Spain
T: +34 986 411 488 - F: +34 986 418 816

· www.rmb.es

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