Gradiant

What We Do

River Oak Risk is an independent captive management company offering innovative and flexible options that deliver a full range of alternative risk transfer strategies to successful, privately held businesses. We work with clients to establish a comprehensive risk management program that incorporates their existing insurance programs with captive insurance to maximize the business owner’s financial well-being.

Many captive management companies focus solely on the tax benefits of a captive program. We don’t. Instead, we take a conservative, insurance driven approach. And all of our captives are onshore in states that support captive business.

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River Oak Risk Offers:

Multifamily & Student Housing Tenant Liability

Multifamily & Student Housing Tenant Liability

We are not insurance brokers and do not sell renter’s insurance. We help Landlords capture the economics that they are currently producing for others.
Our programs create new revenue and decrease expenses.

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Self Storage Program

Self Storage Program

Our program takes control of the renter’s insurance obligations and creates a new profitable arrangement for the Owners, better than anything in the market.

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MGA/MGU Reinsurance Captives

MGA/MGU Reinsurance Captives

We work with MGAs and MGUs to establish and operate reinsurance captives that allow participation in the programs they create and run, resulting in new profits for them.

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Captive Management

Captive Management

We have been working in the captive insurance space since 1992. River Oak Risk is an independent captive management company offering innovative and flexible options for a full range of alternative risk transfer strategies.

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Background

We ensure that a captive fits into your overall risk management program – helping you make money on your risks.

Why form a Captive?

A captive insurance company can be an effective tool for privately-held business to:

  • Efficiently fund for self-insured or uninsured risks
  • Lower overall cost of insurance
  • Earn profit from insurance requirements

River Oak Risk is an experienced captive manager with expertise in helping clients evaluate if captive insurance is a valuable tool for their risk profile. We don’t “sell” captive insurance, but evaluate if it is an option for a company to reduce its cost of risk, enhance its risk management program and if new revenue opportunities may exist by utilizing captive insurance. If a captive program is feasible, we provide turnkey management services that include the set-up, licensing, insurance operations, regulatory compliance and corporate governance for these programs.

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