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A Better Insurance Structure for Best-in-Class Resorts
Best-in-class resorts aren't consistently rewarded in today's property insurance market. Even with strong risk management and favorable loss experience, well-run resort organizations are often priced the same as everyone else, facing higher premiums than their performance justifies, less efficient program structures, and increasing coverage limitations.
ARDAdvantage exists to close that gap.
How It Started
To address these challenges, Aon, Gregory & Appel, and the American Resort Development Association (ARDA) partnered to build and launch ARDAdvantage, an association-sponsored, ARDA-capitalized group captive designed specifically for strong, well-managed resorts.
By pooling best-in-class risks into a dedicated structure, the program was built to deliver more competitive pricing than the traditional market for qualified participants, improved program structure and coverage tailored to resort risk profiles, and greater stability in an often-volatile property insurance environment.
What Makes It Different
Traditional group captives typically ask members to contribute upfront capital and potentially fund losses above the loss fund through assessments. ARDAdvantage was structured differently from the start.
- Association-sponsored and ARDA-capitalized
- ARDA funds all capitalization costs for the captive
- No member capital calls or open-ended assessments
- Premiums guaranteed by ARDA, even in poor loss years
The result is a program that looks and feels like adding another carrier option to your marketing spreadsheet, not like building and running your own captive
Our Partners
Aon serves as the lead risk partner and preferred captive partner for ARDAdvantage, bringing global insurance brokerage expertise to the program's structure, placement, and ongoing support.
Gregory & Appel works alongside Aon as a strategic risk partner, helping guide resorts through the program from initial evaluation to placement.
ARDA brings the program to its membership as the American Resort Development Association, capitalizing the captive and guaranteeing premiums to give members a stable, long-term alternative to the traditional market.
Together, Aon, Gregory & Appel, and ARDA are strategic risk partners to the resort industry's best performers.
Who ARDAdvantage Is Built For
ARDAdvantage is designed for resorts that:
- Are financially strong
- Maintain high engineering and risk management standards
- Have a solid loss history
- Are seeking a more competitive and stable property insurance solution than the traditional market alone is providing
Getting Started Comes With No Obligation
Participation begins with a no-obligation review of your current property program and loss history, to determine whether your resort is likely to qualify and how an ARDA captive-backed placement compares to your current insurer and other market options in terms of pricing, coverage, and structure.
CTA: Start Your No-Obligation Review