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.
| • Fire testing of construction materials.
|| • Annual inspectors school for new and existing 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.
Many of RAM's staff are members of the International Association of Arson Investigators, the National Fire Protection Association, and Insurance Loss Control Association.