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Guidance. Trust. Results.
ARDAdvantage: A Better Insurance Structure for Well-Run Resorts
Best-in-class resorts are rarely rewarded in today's property insurance market. Even with strong risk management and favorable loss experience, well‑run organizations are too often priced and treated just like everyone else.
To change that, ARDA has partnered with Aon and Gregory & Appel—world‑class insurance brokers with deep resort and hospitality expertise—to build ARDAdvantage, a property insurance captive designed specifically for strong, well‑managed resorts. Together, they give high‑performing ARDA members a clear path into a captive structure that can:
To change that, ARDA has partnered with Aon and Gregory & Appel—world‑class insurance brokers with deep resort and hospitality expertise—to build ARDAdvantage, a property insurance captive designed specifically for strong, well‑managed resorts. Together, they give high‑performing ARDA members a clear path into a captive structure that can:
- Align insurance costs with actual performance and risk profile
- Provide more control over coverage and structure
- Support a long-term risk strategy instead of managing renewal to renewal
Start with a quick assessment to see where you stand.
Save on Premiums
Zero Capital Calls
Stability in Any Market
Strength in Numbers
Risk Management Support Included
No Obligation to Explore
Save on Premiums
Zero Capital Calls
Stability in Any Market
Strength in Numbers
Risk Management Support Included
No Obligation to Explore
What ARDAdvantageHas To Offer
The ARDAdvantage Insurance Captive is an association-sponsored, ARDA-capitalized group captive, developed for well-run resorts.
Turn Performance Into Pricing
ARDAdvantage rewards resorts for the risk management work they're already doing, instead of pricing them the same as everyone else in a hard market.
- Pricing tied to your actual loss experience, not industry averages
- Reduced exposure to market-wide premium spikes
- Access to underwriting profit and investment income typically kept by traditional insurers
Built for Resorts, Not Retrofitted
Standard commercial property policies are built for generic risk. ARDAdvantage is built specifically around resort, timeshare, and HOA exposures from the ground up.
- Coverage shaped by real resort and timeshare loss data
- Flexibility to address gaps standard markets often miss
- Terms developed with input from resort risk professionals, not a generic template
A Program That Holds Up in Hard Markets
Traditional insurance pricing swings hard when the broader market tightens. ARDAdvantage gives members a more predictable, stable alternative.
- Reduced year-over-year rate volatility
- A structure built to weather hard and soft markets alike
- Long-term predictability your board and finance team can plan around
Strong Resorts Get Stronger
Membership comes with more than coverage. It comes with structured support to sharpen the risk practices that qualified you in the first place.
- Access to risk management resources and best practices from peer resorts
- Structured governance expectations that strengthen board decision-making
- Ongoing support from Aon, Gregory & Appel and ARDA, not a one-time policy transaction
The Power of a Best-in-Class Peer Group
ARDAdvantage pools the collective strength of ARDA's top-performing members, giving individual resorts leverage they couldn't access on their own.
- Shared capitalization backed by ARDA and well-managed peer resorts
- Collective buying power typically reserved for much larger organizations
- A community of high-performing resorts solving the same challenges together
ARDAdvantageis the right Choice For You
Best‑in‑class resorts are rarely rewarded in today’s property market. Even with strong risk management and solid loss performance, many ARDA members still face higher premiums, inefficient structures, and growing exclusions.
ARDAdvantage wasbuilt to close that gap.
Unlike traditional group captives, which typically require members to put up capital and risk assessments, ARDAdvantage is association‑sponsored and ARDA‑capitalized:
- ARDA funds all capitalization costs
- ARDA covers losses above the captive loss fund
- No member capital calls or open‑ended assessments
- Premiums are supported by ARDA in poor loss years
Traditional Group Captive vs. ARDAdvantage
- Traditional: Member capital required; exposure to assessments
- ARDAdvantage: ARDA‑funded, no member capital calls, no assessments, association‑backed premium guarantees
Who is ARDAdvantage?
ARDAdvantage is built through a partnership between Aon, Gregory & Appel, and the American Resort Development Association (ARDA), brought together to solve a problem the traditional market wasn't solving: rewarding best-in-class resorts for the risk management work they're already doing.
From a risk manager's perspective, ARDAdvantage can be evaluated just like any other insurance company option:
From a risk manager's perspective, ARDAdvantage can be evaluated just like any other insurance company option:
- You receive a policy issued by a carrier partner, similar in form and function to your current property policy
- The captive structure operates behind the scenes, participating in the risk and economics to help improve pricing and structure
- You can compare it directly against your incumbent and other market quotes on price, coverage, structure, and service and support
In practice, joining ARDAdvantage looks and feels like adding another carrier to your marketing spreadsheet, not like building and running your own captive.
Aon and Gregory & Appel serve as the strategic risk partners guiding resorts through the program, from initial review to placement.
Aon and Gregory & Appel serve as the strategic risk partners guiding resorts through the program, from initial review to placement.
Key Advantagesfor leading resorts
- No upfront capital requirement. ARDA funds all capitalization costs.
- No member assessments. The association guarantees premiums in poor loss years, so you're never exposed to open-ended capital calls.
- Targeted premium and cost efficiencies for best-in-class risks, priced against your actual performance rather than the broader market.
- Potential premium tax advantages, depending on your jurisdiction and structure.
- Specialized risk management and claims support, including outsourced risk management resources most individual resorts couldn't access on their own.
- Participation in a geographically diverse, best-in-class portfolio, which supports better pricing, capacity, and long-term market stability for every member.
ARDAdvantage Insurance Captive
FrequentlyAsked Questions
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Testimonials
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join the ARDAdvantage Insurance Captive and start saving money without sacrificing coverage.
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Founder
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Managing Director
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Business Owner
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Senior Manager
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Founder
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Managing Director
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Business Owner
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Senior Manager
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Finance Director
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Marketing Director
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Sales Director
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Finance Director
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Marketing Director
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Project Manager
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HR Director
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