Your Clients Are Overpaying for Insurance. You Can Be the One Who Fixes That.
As a trusted advisor, you already see the full picture of your client's portfolio. You see the insurance line item every year. You know it keeps climbing. And until now, there hasn't been much you could do about it. That changes today.
Who qualifies: Property owners with $300K–$4M in annual property insurance spend and a $100M–$3B portfolio.
Partner program overview
A Better Insurance Model
Cost Stability
Premiums stop being a black box.
Dividends on Unused Premiums
When your clients have a good year, the money doesn't disappear into the carrier's pocket.
Underwriting Confidence
Your clients stop being passive buyers hoping for a reasonable renewal quote.
Identical Coverage, Full Compliance
Identical Coverage, Full Compliance
Coverage mirrors their existing commercial policy. AM Best-rated fronting carrier paper keeps everything fully lender-compliant.
Standalone captives take 6-12 months to build. RPC is already built.
Insurance cost comparison
The Problem You're Watching Happen
- Premiums rise every renewal regardless of loss history
- Good operators subsidize bad ones
- Carriers keep the profit on clean years
- Your clients have zero visibility into where their money goes
Your clients have always had the right profile for this. They've never had access to the right structure. Until now.
The institutional players solved this problem years ago.
- They stabilize costs by owning their own insurance through captive structures.
- They earn dividends on unused premiums.
- They approach every renewal from a position of knowledge instead of anxiety.
Captive insurance structure
There'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 bring this to a client, you're solving a problem that's been quietly costing them for years. That deserves to be recognized differently.
Private Dinner Series
Referring partners are invited to join RPC's private dinner series — small, curated gatherings of portfolio owners, operators, and the advisors who serve them. These aren't typical networking events. They're intimate evenings where real conversations happen and you sit at the table with exactly the kind of people you want to know.
Who's a Good Fit to Refer
Your client is likely a strong candidate if they:
- Own a diversified portfolio between $100M and $3B
- Spend $300K to $4M annually on property insurance
- Have a clean or relatively low loss history
- Have less than 10% of portfolio value concentrated in any single asset
How It Works
- 1
You make the introduction
A warm email or a quick form below — we handle everything from there.
- 2
We evaluate fit
No pressure, no lengthy process. Your client's time is respected.
- 3
They get better economics
Cost stability, dividend potential, and real ownership over their insurance program — live in about 30 days.
- 4
You get a seat at the table
Access to our private dinner network and a client who will always remember who brought them this solution.
Become a Referring Partner
Join a network of advisors who are changing how their clients think about insurance.