{"id":629,"date":"2025-06-18T05:04:38","date_gmt":"2025-06-18T05:04:38","guid":{"rendered":"https:\/\/webdirectms.com\/ardainsurance\/?page_id=629"},"modified":"2026-08-28T15:01:45","modified_gmt":"2026-08-28T15:01:45","slug":"faq","status":"publish","type":"page","link":"https:\/\/webdirectms.com\/ardainsurance\/faq\/","title":{"rendered":"Faqs"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"629\" class=\"elementor elementor-629\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e0b1297 e-flex e-con-boxed e-con e-parent\" data-id=\"e0b1297\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4bec608 elementor-widget__width-initial animated-fast center elementor-invisible elementor-widget elementor-widget-wdt-heading\" data-id=\"4bec608\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;slideInUp&quot;,&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"wdt-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"wdt-heading-holder \" id=\"wdt-heading-4bec608\"><div class=\"wdt-heading-subtitle-wrapper wdt-heading-subtitle\">Our FAQ<\/div><h2 class=\"wdt-heading-title-wrapper wdt-heading-title\">Answers To Your Questions<\/h2><div class=\"wdt-heading-content-wrapper\">Sem placerat in id cursus mi pretium tellus. Imperdiet mollis nullam volutpat porttitor ullamcorper rutrum gravida. Maximus eget fermentum odio phasellus.<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-801859a start wdt-dark-bg animated-fast elementor-invisible elementor-widget elementor-widget-wdt-accordion-and-toggle\" data-id=\"801859a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;slideInUp&quot;,&quot;item_background_background&quot;:&quot;classic&quot;,&quot;item_background_color&quot;:&quot;#FFFFFF&quot;,&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"wdt-accordion-and-toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"wdt-accordion-toggle-holder wdt-module-accordion wdt-template-bordered wdt-expand-collapse-position-end\" \r\n\t\t\t\t\t\t\tid=\"wdt-accordion-and-toggle-801859a\"\r\n\t\t\t\t\t\t\tdata-role=\"accordion\"><div class=\"wdt-accordion-toggle-wrapper\"><button class=\"wdt-accordion-toggle-title-holder\" \r\n\t\t\t\t\t\t\t\t\t\tid=\"wdt-accordion-heading-801859a-0\" \r\n\t\t\t\t\t\t\t\t\t\taria-expanded=\"false\" \r\n\t\t\t\t\t\t\t\t\t\taria-controls=\"wdt-accordion-panel-801859a-0\"><div class=\"wdt-accordion-toggle-title\">What is an insurance captive?<\/div><div class=\"wdt-accordion-toggle-icon\"><div class=\"wdt-accordion-toggle-icon-expand\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 15.62 10.97\"><path d=\"M6.77,10.47a1.32,1.32,0,0,0,2.07,0l6.5-8.35A1.31,1.31,0,0,0,14.3,0h-13a1.31,1.31,0,0,0-1,2.12Z\"><\/path><\/svg><\/div><div class=\"wdt-accordion-toggle-icon-collapse\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 15.62 10.97\"><path d=\"M8.84.51a1.31,1.31,0,0,0-2.07,0L.28,8.86a1.31,1.31,0,0,0,1,2.11h13a1.31,1.31,0,0,0,1-2.11Z\"><\/path><\/svg><\/div><\/div><\/button><div class=\"wdt-accordion-toggle-description\" \r\n\t\t\t\t\t\t\t\t\t\tid=\"wdt-accordion-panel-801859a-0\" \r\n\t\t\t\t\t\t\t\t\t\taria-labelledby=\"wdt-accordion-heading-801859a-0\"\r\n\t\t\t\t\t\t\t\t\t\tdata-role=\"region\"><p>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, participants pool risk and share in underwriting results.<\/p><\/div><\/div><div class=\"wdt-accordion-toggle-wrapper\"><button class=\"wdt-accordion-toggle-title-holder\" \r\n\t\t\t\t\t\t\t\t\t\tid=\"wdt-accordion-heading-801859a-1\" \r\n\t\t\t\t\t\t\t\t\t\taria-expanded=\"false\" \r\n\t\t\t\t\t\t\t\t\t\taria-controls=\"wdt-accordion-panel-801859a-1\"><div class=\"wdt-accordion-toggle-title\">What is ARDAdvantage?<\/div><div class=\"wdt-accordion-toggle-icon\"><div class=\"wdt-accordion-toggle-icon-expand\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 15.62 10.97\"><path d=\"M6.77,10.47a1.32,1.32,0,0,0,2.07,0l6.5-8.35A1.31,1.31,0,0,0,14.3,0h-13a1.31,1.31,0,0,0-1,2.12Z\"><\/path><\/svg><\/div><div class=\"wdt-accordion-toggle-icon-collapse\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 15.62 10.97\"><path d=\"M8.84.51a1.31,1.31,0,0,0-2.07,0L.28,8.86a1.31,1.31,0,0,0,1,2.11h13a1.31,1.31,0,0,0,1-2.11Z\"><\/path><\/svg><\/div><\/div><\/button><div class=\"wdt-accordion-toggle-description\" \r\n\t\t\t\t\t\t\t\t\t\tid=\"wdt-accordion-panel-801859a-1\" \r\n\t\t\t\t\t\t\t\t\t\taria-labelledby=\"wdt-accordion-heading-801859a-1\"\r\n\t\t\t\t\t\t\t\t\t\tdata-role=\"region\"><p>ARDAdvantage is an association-sponsored, ARDA-capitalized group captive built through a partnership between Aon, Gregory &amp; Appel, and the American Resort Development Association (ARDA). It's designed specifically for high-performing resorts that aren't being rewarded for strong risk management in the traditional insurance market.<\/p><\/div><\/div><div class=\"wdt-accordion-toggle-wrapper\"><button class=\"wdt-accordion-toggle-title-holder\" \r\n\t\t\t\t\t\t\t\t\t\tid=\"wdt-accordion-heading-801859a-2\" \r\n\t\t\t\t\t\t\t\t\t\taria-expanded=\"false\" \r\n\t\t\t\t\t\t\t\t\t\taria-controls=\"wdt-accordion-panel-801859a-2\"><div class=\"wdt-accordion-toggle-title\">How is ARDAdvantage different from a traditional group captive?<\/div><div class=\"wdt-accordion-toggle-icon\"><div class=\"wdt-accordion-toggle-icon-expand\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 15.62 10.97\"><path d=\"M6.77,10.47a1.32,1.32,0,0,0,2.07,0l6.5-8.35A1.31,1.31,0,0,0,14.3,0h-13a1.31,1.31,0,0,0-1,2.12Z\"><\/path><\/svg><\/div><div class=\"wdt-accordion-toggle-icon-collapse\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 15.62 10.97\"><path d=\"M8.84.51a1.31,1.31,0,0,0-2.07,0L.28,8.86a1.31,1.31,0,0,0,1,2.11h13a1.31,1.31,0,0,0,1-2.11Z\"><\/path><\/svg><\/div><\/div><\/button><div class=\"wdt-accordion-toggle-description\" \r\n\t\t\t\t\t\t\t\t\t\tid=\"wdt-accordion-panel-801859a-2\" \r\n\t\t\t\t\t\t\t\t\t\taria-labelledby=\"wdt-accordion-heading-801859a-2\"\r\n\t\t\t\t\t\t\t\t\t\tdata-role=\"region\"><p>Traditional group captives typically require members to contribute upfront capital and potentially fund losses above the loss fund through assessments. ARDAdvantage is fully funded by ARDA. There's no upfront capital requirement, no member assessments, and no open-ended capital calls.\u00a0<\/p><\/div><\/div><div class=\"wdt-accordion-toggle-wrapper\"><button class=\"wdt-accordion-toggle-title-holder\" \r\n\t\t\t\t\t\t\t\t\t\tid=\"wdt-accordion-heading-801859a-3\" \r\n\t\t\t\t\t\t\t\t\t\taria-expanded=\"false\" \r\n\t\t\t\t\t\t\t\t\t\taria-controls=\"wdt-accordion-panel-801859a-3\"><div class=\"wdt-accordion-toggle-title\">Why is the resort industry uniquely suited for a captive?<\/div><div class=\"wdt-accordion-toggle-icon\"><div class=\"wdt-accordion-toggle-icon-expand\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 15.62 10.97\"><path d=\"M6.77,10.47a1.32,1.32,0,0,0,2.07,0l6.5-8.35A1.31,1.31,0,0,0,14.3,0h-13a1.31,1.31,0,0,0-1,2.12Z\"><\/path><\/svg><\/div><div class=\"wdt-accordion-toggle-icon-collapse\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 15.62 10.97\"><path d=\"M8.84.51a1.31,1.31,0,0,0-2.07,0L.28,8.86a1.31,1.31,0,0,0,1,2.11h13a1.31,1.31,0,0,0,1-2.11Z\"><\/path><\/svg><\/div><\/div><\/button><div class=\"wdt-accordion-toggle-description\" \r\n\t\t\t\t\t\t\t\t\t\tid=\"wdt-accordion-panel-801859a-3\" \r\n\t\t\t\t\t\t\t\t\t\taria-labelledby=\"wdt-accordion-heading-801859a-3\"\r\n\t\t\t\t\t\t\t\t\t\tdata-role=\"region\"><div><h6><strong>The resort and timeshare industry has:<\/strong><\/h6><\/div><ul class=\"faq-list\"><li>Predictable, recurring operations<\/li><li>Large, diversified property portfolios<\/li><li>Shared risk profiles across owners\/operators<\/li><li>Strong data on claims trends (property, liability, weather events)<\/li><\/ul><div>This makes it ideal for a structured risk financing solution.<\/div><\/div><\/div><div class=\"wdt-accordion-toggle-wrapper\"><button class=\"wdt-accordion-toggle-title-holder\" \r\n\t\t\t\t\t\t\t\t\t\tid=\"wdt-accordion-heading-801859a-4\" \r\n\t\t\t\t\t\t\t\t\t\taria-expanded=\"false\" \r\n\t\t\t\t\t\t\t\t\t\taria-controls=\"wdt-accordion-panel-801859a-4\"><div class=\"wdt-accordion-toggle-title\">What are the primary benefits of joining an insurance captive?<\/div><div class=\"wdt-accordion-toggle-icon\"><div class=\"wdt-accordion-toggle-icon-expand\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 15.62 10.97\"><path d=\"M6.77,10.47a1.32,1.32,0,0,0,2.07,0l6.5-8.35A1.31,1.31,0,0,0,14.3,0h-13a1.31,1.31,0,0,0-1,2.12Z\"><\/path><\/svg><\/div><div class=\"wdt-accordion-toggle-icon-collapse\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 15.62 10.97\"><path d=\"M8.84.51a1.31,1.31,0,0,0-2.07,0L.28,8.86a1.31,1.31,0,0,0,1,2.11h13a1.31,1.31,0,0,0,1-2.11Z\"><\/path><\/svg><\/div><\/div><\/button><div class=\"wdt-accordion-toggle-description\" \r\n\t\t\t\t\t\t\t\t\t\tid=\"wdt-accordion-panel-801859a-4\" \r\n\t\t\t\t\t\t\t\t\t\taria-labelledby=\"wdt-accordion-heading-801859a-4\"\r\n\t\t\t\t\t\t\t\t\t\tdata-role=\"region\"><ul class=\"faq-list\"><li><b>Cost Stability:<\/b> Reduced volatility vs. commercial market cycles<\/li><li><b>Potential Profit Participation:<\/b> Underwriting gains returned to members<\/li><li><b>Tailored Coverage:<\/b> Policies designed specifically for resort operations<\/li><li><b>Improved Risk Management:<\/b> Incentivizes best practices across members<\/li><li><b>Access to Reinsurance Markets:<\/b> Often at more favorable terms<\/li><\/ul><\/div><\/div><div class=\"wdt-accordion-toggle-wrapper\"><button class=\"wdt-accordion-toggle-title-holder\" \r\n\t\t\t\t\t\t\t\t\t\tid=\"wdt-accordion-heading-801859a-5\" \r\n\t\t\t\t\t\t\t\t\t\taria-expanded=\"false\" \r\n\t\t\t\t\t\t\t\t\t\taria-controls=\"wdt-accordion-panel-801859a-5\"><div class=\"wdt-accordion-toggle-title\">What types of risks can an insurance captive cover?<\/div><div class=\"wdt-accordion-toggle-icon\"><div class=\"wdt-accordion-toggle-icon-expand\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 15.62 10.97\"><path d=\"M6.77,10.47a1.32,1.32,0,0,0,2.07,0l6.5-8.35A1.31,1.31,0,0,0,14.3,0h-13a1.31,1.31,0,0,0-1,2.12Z\"><\/path><\/svg><\/div><div class=\"wdt-accordion-toggle-icon-collapse\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 15.62 10.97\"><path d=\"M8.84.51a1.31,1.31,0,0,0-2.07,0L.28,8.86a1.31,1.31,0,0,0,1,2.11h13a1.31,1.31,0,0,0,1-2.11Z\"><\/path><\/svg><\/div><\/div><\/button><div class=\"wdt-accordion-toggle-description\" \r\n\t\t\t\t\t\t\t\t\t\tid=\"wdt-accordion-panel-801859a-5\" \r\n\t\t\t\t\t\t\t\t\t\taria-labelledby=\"wdt-accordion-heading-801859a-5\"\r\n\t\t\t\t\t\t\t\t\t\tdata-role=\"region\"><div><h6><strong>Typical coverages include:<\/strong><\/h6><\/div><ul class=\"faq-list\"><li>Property insurance (including catastrophe layers)<\/li><li>General liability<\/li><li>Cyber liability<\/li><li>Business interruption<\/li><li>Workers\u2019 compensation (in some structures)<\/li><li>Specialty risks unique to resorts (amenities, guest activities, HOA exposures)<\/li><\/ul><\/div><\/div><div class=\"wdt-accordion-toggle-wrapper\"><button class=\"wdt-accordion-toggle-title-holder\" \r\n\t\t\t\t\t\t\t\t\t\tid=\"wdt-accordion-heading-801859a-6\" \r\n\t\t\t\t\t\t\t\t\t\taria-expanded=\"false\" \r\n\t\t\t\t\t\t\t\t\t\taria-controls=\"wdt-accordion-panel-801859a-6\"><div class=\"wdt-accordion-toggle-title\">Who can participate in the ARDAdvantage Insurance Captive?<\/div><div class=\"wdt-accordion-toggle-icon\"><div class=\"wdt-accordion-toggle-icon-expand\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 15.62 10.97\"><path d=\"M6.77,10.47a1.32,1.32,0,0,0,2.07,0l6.5-8.35A1.31,1.31,0,0,0,14.3,0h-13a1.31,1.31,0,0,0-1,2.12Z\"><\/path><\/svg><\/div><div class=\"wdt-accordion-toggle-icon-collapse\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 15.62 10.97\"><path d=\"M8.84.51a1.31,1.31,0,0,0-2.07,0L.28,8.86a1.31,1.31,0,0,0,1,2.11h13a1.31,1.31,0,0,0,1-2.11Z\"><\/path><\/svg><\/div><\/div><\/button><div class=\"wdt-accordion-toggle-description\" \r\n\t\t\t\t\t\t\t\t\t\tid=\"wdt-accordion-panel-801859a-6\" \r\n\t\t\t\t\t\t\t\t\t\taria-labelledby=\"wdt-accordion-heading-801859a-6\"\r\n\t\t\t\t\t\t\t\t\t\tdata-role=\"region\"><ul class=\"faq-list\"><li>Resort developers and operators<\/li><li>Vacation ownership companies<\/li><li>Hospitality groups with significant resort exposure<\/li><li>Affiliated entities (management companies, HOAs, etc.)<\/li><\/ul><\/div><\/div><div class=\"wdt-accordion-toggle-wrapper\"><button class=\"wdt-accordion-toggle-title-holder\" \r\n\t\t\t\t\t\t\t\t\t\tid=\"wdt-accordion-heading-801859a-7\" \r\n\t\t\t\t\t\t\t\t\t\taria-expanded=\"false\" \r\n\t\t\t\t\t\t\t\t\t\taria-controls=\"wdt-accordion-panel-801859a-7\"><div class=\"wdt-accordion-toggle-title\">Who are Aon and Gregory &amp; Appel?<\/div><div class=\"wdt-accordion-toggle-icon\"><div class=\"wdt-accordion-toggle-icon-expand\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 15.62 10.97\"><path d=\"M6.77,10.47a1.32,1.32,0,0,0,2.07,0l6.5-8.35A1.31,1.31,0,0,0,14.3,0h-13a1.31,1.31,0,0,0-1,2.12Z\"><\/path><\/svg><\/div><div class=\"wdt-accordion-toggle-icon-collapse\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 15.62 10.97\"><path d=\"M8.84.51a1.31,1.31,0,0,0-2.07,0L.28,8.86a1.31,1.31,0,0,0,1,2.11h13a1.31,1.31,0,0,0,1-2.11Z\"><\/path><\/svg><\/div><\/div><\/button><div class=\"wdt-accordion-toggle-description\" \r\n\t\t\t\t\t\t\t\t\t\tid=\"wdt-accordion-panel-801859a-7\" \r\n\t\t\t\t\t\t\t\t\t\taria-labelledby=\"wdt-accordion-heading-801859a-7\"\r\n\t\t\t\t\t\t\t\t\t\tdata-role=\"region\"><p>Aon is a global professional services and insurance brokerage firm, serving as the lead risk partner and preferred captive partner for the ARDAdvantage program. Gregory &amp; Appel is an insurance brokerage firm that works alongside Aon as a strategic risk partner, helping guide resorts through the program from initial review to placement. Together, they bring the underwriting, placement, and risk management expertise behind ARDAdvantage's structure.<\/p><\/div><\/div><div class=\"wdt-accordion-toggle-wrapper\"><button class=\"wdt-accordion-toggle-title-holder\" \r\n\t\t\t\t\t\t\t\t\t\tid=\"wdt-accordion-heading-801859a-8\" \r\n\t\t\t\t\t\t\t\t\t\taria-expanded=\"false\" \r\n\t\t\t\t\t\t\t\t\t\taria-controls=\"wdt-accordion-panel-801859a-8\"><div class=\"wdt-accordion-toggle-title\">What&#039;s the first step to explore ARDAdvantage?<\/div><div class=\"wdt-accordion-toggle-icon\"><div class=\"wdt-accordion-toggle-icon-expand\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 15.62 10.97\"><path d=\"M6.77,10.47a1.32,1.32,0,0,0,2.07,0l6.5-8.35A1.31,1.31,0,0,0,14.3,0h-13a1.31,1.31,0,0,0-1,2.12Z\"><\/path><\/svg><\/div><div class=\"wdt-accordion-toggle-icon-collapse\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 15.62 10.97\"><path d=\"M8.84.51a1.31,1.31,0,0,0-2.07,0L.28,8.86a1.31,1.31,0,0,0,1,2.11h13a1.31,1.31,0,0,0,1-2.11Z\"><\/path><\/svg><\/div><\/div><\/button><div class=\"wdt-accordion-toggle-description\" \r\n\t\t\t\t\t\t\t\t\t\tid=\"wdt-accordion-panel-801859a-8\" \r\n\t\t\t\t\t\t\t\t\t\taria-labelledby=\"wdt-accordion-heading-801859a-8\"\r\n\t\t\t\t\t\t\t\t\t\tdata-role=\"region\"><p>Participation begins with a no-obligation review of your current property program and loss history. This review helps determine whether your resort is likely to qualify and how an ARDA captive-backed placement compares to your current insurer and other market options.<\/p><\/div><\/div><div class=\"wdt-accordion-toggle-wrapper\"><button class=\"wdt-accordion-toggle-title-holder\" \r\n\t\t\t\t\t\t\t\t\t\tid=\"wdt-accordion-heading-801859a-9\" \r\n\t\t\t\t\t\t\t\t\t\taria-expanded=\"false\" \r\n\t\t\t\t\t\t\t\t\t\taria-controls=\"wdt-accordion-panel-801859a-9\"><div class=\"wdt-accordion-toggle-title\">What are the benefits beyond pricing?<\/div><div class=\"wdt-accordion-toggle-icon\"><div class=\"wdt-accordion-toggle-icon-expand\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 15.62 10.97\"><path d=\"M6.77,10.47a1.32,1.32,0,0,0,2.07,0l6.5-8.35A1.31,1.31,0,0,0,14.3,0h-13a1.31,1.31,0,0,0-1,2.12Z\"><\/path><\/svg><\/div><div class=\"wdt-accordion-toggle-icon-collapse\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 15.62 10.97\"><path d=\"M8.84.51a1.31,1.31,0,0,0-2.07,0L.28,8.86a1.31,1.31,0,0,0,1,2.11h13a1.31,1.31,0,0,0,1-2.11Z\"><\/path><\/svg><\/div><\/div><\/button><div class=\"wdt-accordion-toggle-description\" \r\n\t\t\t\t\t\t\t\t\t\tid=\"wdt-accordion-panel-801859a-9\" \r\n\t\t\t\t\t\t\t\t\t\taria-labelledby=\"wdt-accordion-heading-801859a-9\"\r\n\t\t\t\t\t\t\t\t\t\tdata-role=\"region\"><p>Members gain access to specialized risk management and claims support. Participation also connects you to a geographically diverse portfolio of best-in-class resorts, which supports stronger pricing, capacity, and long-term market stability for everyone in the program.<\/p><\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Our FAQ Answers To Your Questions Sem placerat in id cursus mi pretium tellus. Imperdiet mollis nullam volutpat porttitor ullamcorper rutrum gravida. Maximus eget fermentum odio phasellus. What is an insurance captive? An insurance captive is a licensed insurance company that is owned and controlled by the businesses it insures. Instead of paying premiums to [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-629","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/webdirectms.com\/ardainsurance\/wp-json\/wp\/v2\/pages\/629","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/webdirectms.com\/ardainsurance\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/webdirectms.com\/ardainsurance\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/webdirectms.com\/ardainsurance\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/webdirectms.com\/ardainsurance\/wp-json\/wp\/v2\/comments?post=629"}],"version-history":[{"count":9,"href":"https:\/\/webdirectms.com\/ardainsurance\/wp-json\/wp\/v2\/pages\/629\/revisions"}],"predecessor-version":[{"id":2570,"href":"https:\/\/webdirectms.com\/ardainsurance\/wp-json\/wp\/v2\/pages\/629\/revisions\/2570"}],"wp:attachment":[{"href":"https:\/\/webdirectms.com\/ardainsurance\/wp-json\/wp\/v2\/media?parent=629"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}