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.