Features of RAM's reinsurance program
| • Up to $3,700,000 of treaty capacity per loss occurrence to a single risk. |
• Aggregate loss protection with attachment points formulated to protect surplus |
| • Access to our pro-rata ceding facility for large risks. |
• 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. |
| • Assistance in hiring and training new inspectors. |
• Ongoing training for experienced inspectors. |
| • 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. |
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Many of RAM's staff are members of the International Association of Arson Investigators, the National Fire Protection Association, and Insurance Loss Control Association.
