Features of RAM's reinsurance program
| • Up to $20,000,000 semi-fac per loss occurence. |
• Aggregate loss protection with attachment points formulated to protect surplus |
| • Facultative Facility (specific ceding on an individual risk) will be available for risks above $20,000,000. However, no new risks above $20,000,000 will be allowed
in the Facultative Facility, only risks already on your books or that inflate above $20M. |
• Catastrophic protection. |
| • Subrogation recoveries are shared with our members on a pro-rata basis. |
• Optional billing plans. |
Services offered to our member companies at no cost
| • Cause and origin investigation. |
• Arson and fraud investigation. |
| • Claims consultation. |
• Subrogation assistance. |
| • Inspector training assistance |
• Mutual reward program to assist in apprehending individuals responsible for losses. |
| • Publications designed to prevent fire losses. |
• Underwriting alerts identifying faulty or dangerous products. |
| • Risk Management Association to keep loss control personnel informed of industry issues. |
• Fire testing of construction materials. |
Many of RAM's staff are members of the International Association of Arson Investigators, the National Fire Protection Association, and Insurance Loss Control Association.
