Case Studies

Commercial Real Estate

Owners with substantial holdings of multi-family real estate properties struggle with deciding on what type and level of insurance coverage is appropriate. Oftentimes, commercial insurance is either expensive, requires significant deductibles and/or has a number of exclusions in the policy. As a result, the owner winds up “self insuring” by default a number of risks that may prove to be catastrophic.

Enterprise Risk Management

A seasoned petrochemical manufacturer faced escalating insurance costs and significant coverage gaps, particularly after a substantial loss stemming from a client's bankruptcy. To mitigate these challenges, they transitioned from relying solely on traditional insurance to integrating a captive insurance solution. This move allowed them to customize their risk coverage, optimizing costs, and addressing previously uninsured vulnerabilities. As a result, the company secured comprehensive protection across various domains, leading to enhanced security and notable cost savings.

Food and Beverage

Companies in the food and beverage industry have historically operated in a fairly complex business and regulatory environment. In order to be viable, they manage a sophisticated supply chain while maintaining product integrity. Given the consumer nature, they’re operating under some onerous regulatory requirements. Traditional commercial insurance policies oftentimes do not cover all the nuances of their businesses.

Mortgage Banker

Following the downturn of the United States real estate market in 2008 and the subsequent financial crises that followed, it became clear that mortgages and mortgage-backed securities had been widely distributed throughout the financial system and that the validity of many mortgages and documents were questionable with regards to lending standards, income verification and appraisal values.

Warranty Coverage

Founded in 1976, a well-regarded instrument manufacturer faced rising liabilities from their 5-year product warranties due to increasing sales. To manage this growing risk, Risk Management Advisors recommended establishing a captive insurance company, allowing the business to self-insure efficiently. This strategy not only optimized their risk management but also demonstrated that businesses of varying sizes can utilize captive insurance to safeguard their assets and interests effectively.

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