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Find an agency and quote with RAM today!

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Find an agency and quote with RAM today!

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Reinsurance

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Farm field with tractor hauling bales of hay Farm field with tractor hauling bales of hay

Features of RAM's reinsurance program

• Up to $3,200,000 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.

Many of RAM's staff are members of the International Association of Arson Investigators, the National Fire Protection Association, and Insurance Loss Control Association.