When it comes to alternative risk, Risk Management Advisors has you covered. Whether it is forming your own captive insurance company, developing a structure that will allow you to exit the medical insurance market, becoming registered self-insured for workers compensation or any of your alternative risk needs Risk Managment Advisors will assist you to build all of your plans and options are compliant today while being flexible to address your changing needs in the future.


Captives offer unparalleled benefits for the companies that use them. They allow a company to obtain insurance coverage that is tailored to its unique risks, rather than the standard coverages provided in commercial policies. Captives also allow a company’s risk to be judged on its own merit, rather than being charged a premium that is based on the risk of its entire industry. Captives often provide claims handling services that are substantially better than the service provided by commercial insurers.


RMA offers a fully integrated benefits administration platform to Businesses and their employees.
Our model includes: best in class human resource and member support services, customized technology platforms, data management, consulting on healthcare reform and robust plan options including self insured, captive insurance and alternative risk markets along with traditional fully insured options.


Workers’ compensation coverage pays benefits to workers injured on the job, including medical care, lost wages and permanent disability. It also provides death benefits to dependents of employees killed from a work accident. Workers’ compensation regulations are different in every state, as individual statutes and court decisions have shaped the way they handle claims and pay benefits.