Become Irreplaceable
To Your Real Estate Clients
Your $100M–$3B AUM clients spend millions on insurance and get nothing back when they don't file claims. The largest real estate owners, including Greystar, Starwood, and Blackstone, structure it differently. Now you can bring that same approach to your middle-market clients.
Your $100M–$3B AUM clients spend millions on insurance and get nothing back when they don't file claims. The largest real estate owners, including Greystar, Starwood, and Blackstone, structure it differently. Now you can bring that same approach to your middle-market clients.
What a Captive Actually Is
(and Why It Matters for Your Clients)
In traditional insurance, your client pays premiums to a carrier. If they have a good year and don’t file claims, the carrier keeps the profit.
In captive insurance, your client still has the same insurance coverage, but now, they get to participate in the economics of it. When losses are low, they keep the upside instead of giving it away.
Captives are not new. The largest real estate owners, REITs, and Fortune 500 companies have used captive insurance for decades to retain underwriting profit and gain transparency into pricing. The only reason your clients have not used it is that it was too complex and expensive to set up until now.
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If your clients are paying over
$300K
annually for insurance and are not in a captive, there may be an opportunity to save them millions of dollars over time.
We work alongside leading carriers, actuaries and captive managers on structuring, feasibility, underwriting, and implementation. If a client is not a strong fit, we tell you directly. It only works when it makes sense. Either way, you strengthen the relationship and get the credit for bringing an institutional strategy your client likely would not have seen otherwise, simply by making the introduction.
Cost Stability
Insurance stops resetting against them every year. Pricing becomes more predictable because it is based on their actual performance, not the broader market.
Participation in Profit
When your clients have a good year, they do not lose that money to the carrier. They keep it.
Fully Compliant Coverage
Policies are issued through AM Best-rated carriers, so lender and regulatory requirements are fully satisfied.
30 Day Implementation
No 6 to 12-month build-out. Most clients are operational in about 30 days.
Know someone who might benefit?
Become a Referring PartnerThere's No Downside to Making the Introduction
- You are not selling anything.
- You are not promising anything.
- You are not advising on insurance.
You are simply making an introduction.
- If it is not a fit, we will tell you directly.
- If it is a fit, your client decides.
- Either way, you show your client you are looking out for them.
You Add Value Beyond What Is Expected
You can be the first to bring this to your client, a strategy they likely would not have seen otherwise. That alone positions you differently in every future conversation. Over time, more advisors will begin introducing this. Being early matters.
We Handle Everything
Structuring, feasibility, underwriting, implementation. We work with the carriers, consultants, and legal teams. You are not responsible for execution, just the introduction.
It Only Moves Forward If It Makes Sense
If a client is not a strong fit, we will tell you directly. This only works when they have low losses and care about their risk management.
You Strengthen the Relationship
You are not just helping them buy or sell assets. You are helping them improve how they manage one of their largest expenses.
An Invitation, Not a Transaction
When you refer a client to RPC, you’re solving one of the most persistent and expensive problems in their portfolio. That deserves to be recognized differently.
Private Dinner Series
When you introduce a client, you are invited to join a small group of real estate owners, operators, and advisors. These are not events or presentations. Just real conversations with people who control capital and make decisions. It is a way to build relationships that typically take years to access.
Who You Should Refer
Your client is a strong fit if they:
- Own a diversified or scattered-site portfolio between $100M and $3B
- Spend $350K or more annually on property & GL insurance
- Have a clean or relatively low loss history
- Are frustrated with rising premiums and zero transparency into where their money goes
What Happens Next
- 1
You Make the Introduction
We hop on a quick virtual call together to meet your client, walk through the basics, and introduce the captive insurance concept.
- 2
We Evaluate Fit
As part of the evaluation, our licensed actuaries, management team, and insurance company partner conduct underwriting and determine if your client is a strong fit.
- 3
Insurance Policy Issued
Our insurance carrier partner issues an AM Best-rated policy to meet all legal and lender requirements.
- 4
They Get Better Economics
Cost stability, dividend potential, and a fundamentally different relationship with their insurance program.