Guidance. Trust. Results.

The ARDAdvantage was created for ARDA member resorts that want to:

  • Turn best in class risk practices into a competitive advantage
  • Gain more control & transparency over their property insurance
  • Build a more stable, strategic foundation for future growth
Discover what’s possible when top tier resorts come together in a purpose built, ARDA capitalized captive.
Award-Winning Performance
Honors And Achievements
Recognized For Excellence
Award-Winning Performance
Honors And Achievements
Recognized For Excellence

What ARDAdvantageHas To Offer

The ARDAdvantage Insurance Captive is an association sponsored, ARDA capitalized group captive, developed by ARDA and Aon specifically for high performing resorts.

Plans built Around your Goals

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Data insights That drive Real Results

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Strategic planning Led by Experts

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What Role Does Risk Management Play?

A major one. Members benefit from:
  • Shared best practices
  • Loss Prevention Programs
  • Data-Driven Insights
  • Incentives for improved safety and operations

Guiding growth With Expert financial Advice

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ARDAdvantageis the right Choice For You

Why ARDAdvantageis the right choice

Traditional Group Captives
  • Members often have to contribute upfront capital
  • Members face potential assessments if loses exceed the loss fund
ARDAdvantage
  • Assocation sponsored and ARDA capitalized
  • ARDA funds all capitalization costs for the captive
  • No member capital calls or open-ended assessments
  • Premiums are guaranteed by ARDA

Who is ARDAdvantagefor?

  • Are financially strong
  • Maintain high engineering and risk management standards
  • Have a solid loss history
  • Seek a more competitive and stable property insurance solution

Key Advantagesfor leading resorts

  • No upfront capital requirement for participants
  • Targeted premium and cost efficiencies for best-in-class risks
  • Access to specialized risk management and claims support
  • No member assessments; ARDA guarantees premiums in both favorable and poor loss years
  • Potential premium tax advantages (depending on jurisdiction and structure)
  • Participation in a geographically diverse, best in class portfolio for better pricing and stability
ARDAdvantage Insurance Captive

FrequentlyAsked Questions

An insurance captive is a licensed insurance company that is owned and controlled by the businesses it insures. Instead of paying premiums to a traditional insurer, participating resort companies pool risk and share in underwriting results.

The resort and timeshare industry has:
  • Predictable, recurring operations
  • Large, diversified property portfolios
  • Shared risk profiles across owners/operators
  • Strong data on claims trends (property, liability, weather events)
This makes it ideal for a structured, member-owned risk financing solution.
  • Cost Stability: Reduced volatility vs. commercial market cycles
  • Potential Profit Participation: Underwriting gains returned to members
  • Tailored Coverage: Policies designed specifically for resort operations
  • Improved Risk Management: Incentivizes best practices across members
  • Access to Reinsurance Markets: Often at more favorable terms
Typical coverages include:

 

  • Property insurance (including catastrophe layers)
  • General liability
  • Cyber liability
  • Business interruption
  • Workers’ compensation (in some structures)
  • Specialty risks unique to resorts (amenities, guest activities, HOA exposures)
  • Resort developers and operators
  • Vacation ownership companies
  • Hospitality groups with significant resort exposure
  • Affiliated entities (management companies, HOAs, etc.)
Participation criteria usually include financial strength, operational scale, and a commitment to risk management standards.

Have Questions?

Our team is standing by to help, contact us anytime us the information below.
Talk To Us
(202) 371-6700
Email Us
info@arda.org
Our Location
1201 15th Street NW Suite 400 Washington, DC 20005
Work Process

Execution With Clear Steps.

Registration

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Documentation

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Verification

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Investment

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Let’s talk! We’ll reply within a day. Get Free Quote

Testimonials

See what our members are saying

join the ARDAdvantage Insurance Captive and start saving money without sacrificing coverage.

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Nicole Saskia
Founder
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Angela Ursel
Managing Director
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Gretel Nicole
Business Owner
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Marie Esther
Senior Manager
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Editha Kristin
CEO
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Operations Manager
CEO
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Nicole Saskia
Founder
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Angela Ursel
Managing Director
Cras eleifend turpis fames primis vulputate ornare sagittis. Proin libero feugiat tristique.
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Gretel Nicole
Business Owner
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Marie Esther
Senior Manager
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Editha Kristin
CEO
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Operations Manager
CEO
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Kay Ludger
Finance Director
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Lili Alexa
Marketing Director
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Mario Pascal
Project Manager
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Edelgard Gisa
HR Director
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Arnold Willy
Sales Director
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Frieda Janine
CEO
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h1-testimonial-img4
Kay Ludger
Finance Director
Fermentum odio phasellus non purus est efficitur laoreet. Blandit quis suspendisse.
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Lili Alexa
Marketing Director
Porta elementum a enim euismod quam justo lectus. Imperdiet mollis nullam volutpat porttitor.
h1-testimonial-img4
Mario Pascal
Project Manager
Taciti sociosqu ad litora torquent per conubia nostra. Et magnis dis parturient scelerisque.
h1-testimonial-img4
Edelgard Gisa
HR Director
Viverra ac tincidunt nam porta elementum a enim. Arcu dignissim velit aliquam imperdiet mollis.
h1-testimonial-img4
Arnold Willy
Sales Director
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Frieda Janine
CEO

 2,568 Reviews and counting

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Let's Get Started!

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