Risk Partners offers its partner agents and brokers access to Risk Partners Advantage Captive (R-PAC), a group captive, which enables mid-sized commercial insureds to share in underwriting profits on both an individual and group basis.

The R-PAC Program features:

  • No assessment provisions and very low entry costs
  • Unique risk sharing structure affords each participant the flexibility to assume risk based on their individual risk appetite
  • “A” rated or higher AM Best Insurance & Reinsurance Company
  • Available in all states
  • Commercial Auto Liability and Physical Damage, General Liability, Workers Compensation and Property
  • Broad range of classes
  • Selective membership – the goal is NOT to be large, but to be profitable
  • Combined lines premium > $200,000