Service Listing – ARDAdvantage Association Captive

Professional Guidance

Precision Tailored Services

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Our Services

More Than a Captive. A Full Risk Partnership.

ARDAdvantage was built for resorts ready to join a captive structure today. But not every organization is there yet, and that's okay. Aon and Gregory & Appel support ARDA members with a full range of property and casualty services, whether you're actively exploring the captive, still evaluating your options, or simply looking for stronger risk management and coverage in the traditional market.

Property & Casualty Placement
Comprehensive coverage placement across the risks resorts, timeshares, and HOAs actually face, including:
- Property insurance
- General liability
- Umbrella and excess liability
- Directors & officers (D&O) coverage
- Workers' compensation
- Cyber liability

Whether or not you're ready for ARDAdvantage, Aon and Gregory & Appel can help you evaluate your current program and identify gaps or inefficiencies in your existing coverage.

Risk Management Consulting
Strong risk management is what qualifies resorts for ARDAdvantage, and it's valuable with or without the captive. Services include:
- Loss control and prevention guidance
- Safety program development
- Claims trend analysis
- Support preparing for board discussions

Claims Advocacy
When something happens, you want an advocate, not just a claims number. Aon and Gregory & Appel provide hands-on claims support to help members navigate the process and push for fair, timely resolution.

Market Benchmarking

Not sure how your current program stacks up? Aon and Gregory & Appel can benchmark your pricing, coverage, and structure against the broader market, including how it compares to an ARDA captive-backed placement, so you can make an informed decision with real data.

Captive Readiness Support
For members who aren't ready for ARDAdvantage today, Aon and Gregory & Appel can help you build toward it, identifying what would need to change in your loss history, data, or governance to qualify down the road.

Health, Wealth & Total Rewards
Insurance risk isn't the only challenge resorts face. Attracting and retaining strong teams matters just as much, especially in an industry where staffing and turnover directly affect guest experience and property performance. Through Aon's Health and Wealth practice, members can access:
- Employee benefits strategy and plan design, including medical, dental, and voluntary benefits
- Retirement and wealth solutions, including 401(k) plan design and administration support
- Total rewards benchmarking, helping resorts compare compensation and benefits packages against industry peers
- Compliance support across DOL, ACA, and other regulatory requirements
- Wellbeing and engagement programs designed to improve retention in a competitive labor market

This gives ARDA members access to the same enterprise-level total rewards expertise Aon brings to Fortune 500 clients, scaled to fit resort, timeshare, and HOA organizations.

Why Work With Aon & Gregory & Appel
- Resort-specific expertise. Deep experience in resort, timeshare, and HOA risk, not a generic commercial policy approach.
- No pressure toward the captive. Support meets you where you are, whether that's the captive, the traditional market, or somewhere in between.
- Direct access to ARDAdvantage. As the strategic risk partners behind the program, they can move you from traditional coverage into the captive when you're ready, without starting over with a new broker.
- National carrier relationships. Aon's scale brings access to markets and capacity individual resorts couldn't reach on their own.
- One partner across risk and talent. From property and casualty to health and wealth, Aon brings a broader view of the risks affecting your organization, not just your insurance policy.
- Local, hands-on service. Gregory & Appel provides dedicated, relationship-driven support alongside Aon's broader resources.
- No-obligation reviews. Every engagement starts with a no-cost, no-commitment look at where you stand today.

Button: Talk to Aon or Gregory & Appel About Your Options