Rhodeum Specialty Insurance Company
A purpose-built insurance platform designed to help complex property owners and association boards regain control of insurance costs by converting premiums into long-term capital through a compliant and rated coverage program.
Property insurance market premiums have experienced increasing volatility, marked by premium spikes, coverage restrictions, and carrier instability.
Rhodeum offers a smarter alternative: customized insurance solutions supported by actuarial analysis, disciplined risk management, and professionally managed capital, allowing policyholders to insure against probable loss events while building financial resilience over time.
Approach
Rhodeum is designed to complement and integrate with advisory and brokerage services, aligning incentives across strategy, placement, and capital.
Our approach begins with a deep assessment of each insured’s unique risk profile, loss history, and financial objectives. From there, we design a tailored insurance and risk-financing structure that balances protection, compliance, and long-term sustainability. Excess earned premiums are retained within the structure, enabling the gradual accumulation of capital rather than perpetual premium outflow.
By combining actuarial rigor, proactive risk management, and disciplined investment oversight, Rhodeum helps insureds move from reactive insurance buying to strategic risk ownership.
Sector Focus
Rhodeum focuses on asset-intensive, catastrophe-exposed environments where traditional insurance has become inefficient or unstable.
Condominium Associations
Supporting boards facing escalating premiums, regulatory scrutiny, and long-term reserve challenges
Large Multifamily Properties
Stabilizing insurance costs across complex portfolios
Stadiums & Large Venues
Managing high-value property, event risk, and operational complexity These sectors benefit most from customized risk structures, capital retention, and greater control over insurance outcomes.
Golf Courses & Resorts
Addressing weather, property, and liability exposures unique to hospitality assets
Capabilities
Customized Risk Assessment & Pricing
Each program begins with a detailed actuarial evaluation of probable loss scenarios, allowing pricing and coverage to be tailored to the actual risk—not market volatility.
Capital Formation & Retention
Rhodeum’s model allows excess earned premiums to accumulate off-balance sheet and grow over time through a professionally managed investment program, transforming insurance spend into a long-term financial asset.
Expense Management & Cost Stability
By avoiding rate increases untethered from loss experience, insureds gain predictability and improved budget control across multiple years.
Dividend & Financial Flexibility
Over time, surplus capital may be distributed as dividends, which can be used to support operating expenses, reserves, or long-term planning needs.
Proactive Risk Management
Rhodeum provides ongoing risk management guidance, helping insureds reduce loss frequency and severity while strengthening underwriting performance.
Claims & Balance Sheet Management
Integrated claims oversight and financial reporting ensure transparency, discipline, and alignment between risk outcomes and financial objectives.
Rated Carrier Policy Issuance
Coverage is issued through a rated insurance carrier, ensuring regulatory compliance and lender acceptability.
Low Upfront Capital Requirements
Programs are structured to require minimal upfront capital beyond onboarding and setup costs, lowering barriers to entry while preserving long-term upside.