Old Republic Risk Management, Inc. (ORRM) is ORINSCO’s managing underwriter of primary liability insurance coverages. We concentrate on workers’ compensation, commercial automobile, and general liability insurance coverages, and unbundle our services for claims and loss control. That allows us to more flexibly and efficiently serve the proprietary needs of large corporate and group clients in many industries that are core to the North American economy.

Old Republic Insurance Company and its life and accident sister company pioneered the alternative market
approach to insurance risk management. We have served many Fortune 500 companies and other large
publicly held and private enterprises since the early 1950s. This gives ORRM longstanding experience and
industry-leading expertise in providing innovative solutions and services for sizable insurance buyers.
These offerings include the use of large deductibles, self-insurance, and captive reinsurance mechanisms.
To provide added efficiency to the management of our customers’ risk transfer and control, we provide
unbundled claims and other necessary risk management services.

You need a true risk management partner who delivers on its promises to control your total cost of risk. We do this by getting to know your business, recommending innovative solutions for your unique challenges, and delivering superior care every step of the way. That’s why 97% of our clients keep doing business with us year after year.

Specialized Products & Unbundled Services

Our insurance programs are specifically designed to meet your unique needs—from a large deductible program to a captive reinsurance arrangement. We collaborate with you, giving you direct access to our decision-makers and developing solutions to minimize your costs and maximize your program’s effectiveness.

We specialize in structuring the following programs:

• Large and matching deductibles
• Retention plans
• Captive reinsurance to single parent captives and group-owned captives
• Excess of self-insured retention (SIR) programs

Insurance contracts are underwritten and issued by Old Republic Insurance Company, rated A+ (Superior) by AM Best, A2 Stable by Moody’s, and A+ Stable by Standard and Poor’s. Rating determinations made by rating agencies are subject to change from time to time. While the Company attempts to show accurate information, it cannot assure the timeliness of ratings referred to herein and assumes no obligation to monitor the ratings actions of any rating agency. AM Best ratings as of April 21, 2021; Standard & Poor's as of November 17, 2020; Moody's as of October 13, 2020. A+ (Superior) and A (Excellent) ratings from AM Best represent the 2nd and 3rd highest ratings, respectively, among 13 rating categories. An A2 rating from Moody's (Highest Quality) represents the 6th highest rating among 21 rating categories and an A+ (Strong) from Standard & Poor's represents the 5th highest rating among 20 rating categories.