Special Risk


The RCM&D special risk division provides benefits for schools, daycares, youth groups, sports teams, recreational associations, volunteers and community service organizations and businesses with comprehensive insurance solutions designed to address risk across a spectrum of these operations.

Our Special Risk Division has been serving K-12 and higher education clients in the mid-Atlantic region for more than 50 years. We are committed to providing superior service to your students, their families and your administrators.

Student Special Risk Coverages

Through a strategic alignment of student health plans, sports coverages, study abroad and travel insurance, and other programs, we are able to ensure that your institution is adequately protected against all of the unique and special risks inherent on an educational campus. We leverage our deep understanding of this industry, its trends and regulations to help you meet all of your challenges, needs and requirements.

The student health insurance plan your institution offers can impact more than just the student health center where it is coordinated. Effective coverage can help encourage the overall well-being of your entire student and campus population.

Student Health Insurance Plans

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Travel Coverage

Travel insurance can mean the difference between a vacation and a catastrophe. RCM&D helps you minimize the physical and financial impact of any unexpected travel incidents, delays, or cancellations for you, your family, or your employees.

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Global Medical Travel

Whether you are traveling for educational, business, or personal purposes, RCM&D’s global medical and travel insurance is specifically designed to protect you from the costly risks and liabilities at home and away.

Business Travel Accident

Business Travel Accident Insurance provides accidental death and dismemberment benefits for directors and employees while traveling on company business, at the work site during their job, or on a 24-hour basis for those key employees who must be available at all times to represent their company.

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Questions? We are here to help.

Our team of advisors are ready to answer your questions and discuss your risk management, insurance and employee benefits needs. Complete the form below and we will get back to you shortly.

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