Our Platform
Insurance, Structured as Capital.
Five practice areas. One discipline underneath them all — the deconstruction of complex risk into components the market will actually underwrite.
The RCP Difference
A traditional broker asks whether a risk is insurable. We ask what it's actually made of.
Most of the risks that stall a transaction are not single risks at all. They are bundles — a dozen distinct exposures bound together and mislabeled as one impossible thing. Presented whole, that bundle looks like a bet no carrier will take. Taken apart, most of its pieces turn out to be risks the market prices every day.
Our work is the taking apart. We call it the Risk Deconstruction Technique, and it is the reason we place coverage that others cannot.
Risk Deconstruction
One "uninsurable" risk. Twenty-eight underwritable ones.
When a Fortune 100 client needed to insure a complex business risk to win a foreign government contract, two major brokerages worked the placement for fifteen months and came up empty. They had pitched it the way it was handed to them: as one event, one wager, one yes-or-no.
We deconstructed the project into twenty-eight separate risks. Twenty-two of them were exposures carriers were already underwriting in other industries. Reframed as a diversified portfolio of non-correlated risks rather than a single bet, the program was placed with a rated carrier in six weeks.
The risk never changed. The way it was understood did.
The Underlying Idea
Properly structured, insurance is not a cost. It is a form of financing.
We view a well-built insurance structure the way a capital markets desk views a tranche: as an instrument that can protect earnings, create leverage, and lower the cost of financing an entire transaction. That reframing — insurance as capital rather than insurance as loss protection — is what lets our solutions do things traditional coverage cannot: replace an escrow, enable a securitization, secure an investment-grade rating, close a deal.
Where We Apply It
Five practice areas, one method.
Life Risk Solutions
The most technically demanding corner of the life and settlement markets — contestability, insurable interest, longevity, missing-body, residual value. Coverage for risks most brokers don't know how to name.
Explore Life Risk →M&A & Bankruptcy
Transactional insurance that retires escrows, holdbacks, and seller indemnities — transferring known and unknown liabilities to rated carriers so deals move.
Explore M&A & Bankruptcy →Tax Risk
Turning the comfort of a tax opinion into financial certainty. Led by a former IRS Director of Penalties & Interest.
Explore Tax Risk →Other Financial Transactions
The enabling structures — debt cancellation, reverse-mortgage coverage, carbon-credit delivery — that remove the risks neither party to a deal will hold.
Explore Other Transactions →Strategic Advisory
Deconstruction, due diligence, and market-making for exposures that have never been transferred to the insurance markets before.
See Strategic Advisory Cases →The Method at Work
Three deals others called impossible.
The tax-legislation policy
When a proposed corporate tax cut threatened a global bank with a $50M writedown on a deferred tax asset, we structured and placed an insurance policy covering the legislative risk — within the electoral window.
The asbestos acquisition
Told the liability was uninsurable, we re-characterized it as a credit risk rather than a pure asbestos exposure and placed it with a highly rated carrier — clearing a deal-breaking obstacle to a cross-border acquisition.
The $95M escrow
We replaced a traditional $5M / three-year escrow with a transactional insurance structure — equivalent protection for the buyer at roughly a fifth of the cost.
Bring us the risk that's holding up the deal.
If it's stalled a placement, spooked a lender, or frightened off a counterparty, it's exactly the kind of problem we're built for.