Risk Retention Group Management Platform
Designed for member-owned liability insurers, the platform supports submissions, underwriting, policy administration, claims, billing, reinsurance, financial management, and member portal functions. Every entry lives on one record with its own audit trail, and it runs alongside your existing systems rather than replacing them.
Book a demo
Built for the operating reality of Risk Retention Groups
Our platform is designed for RRGs that need to:
-
01
Improve underwriting across submissions, referrals, quotes, and renewals
-
02
Replace spreadsheet-heavy workflows with structured, auditable processes
-
03
Reduce manual work across policy administration, COIs, endorsements, and premium audit
-
04
Maintain a reliable internal view of claims, reserves, and recoveries
-
05
Support reinsurance reconciliation, bordereaux, and Schedule F reporting
-
06
Prepare board packs, audit evidence, and statutory reports faster
-
07
Give members better access to policy, claims, billing, COI, and audit information
-
08
Reduce dependency on institutional knowledge held by a few employees
Who can use the platform?
- Healthcare and physician RRGs
- Hospital system RRGs
- Transportation and trucking RRGs
- Construction RRGs
- Public entity and municipality RRGs
- Professional liability RRGs
- Other RRGs
Does your RRG team recognize these problems?
-
01
Policy administration still runs on spreadsheets
Policies are maintained in Excel, while endorsements are tracked in tabs.
-
02
Submissions get lost in broker emails
Submissions are received as broker emails and logged manually in spreadsheets.
-
03
Growth is outpacing the operating team
Written premium increases, but the same team works on submissions and COIs.
-
04
Board reporting takes too much manual effort
Reports are assembled by hand from several workbooks.
-
05
Members expect better digital service
Members expect transparent policy data, claim status, and COIs.
-
06
Examination evidence is hard to collect
Audit and examination evidence is collected manually.
-
07
Statutory close depends on disconnected data
Quarterly and annual close means pulling data from separate workbooks and providers.
-
08
The audit trail is assembled, not kept
Journal entries, approvals, and the documents behind them sit in different places.
How our platform can help you
Every submission, policy, endorsement, premium audit, claim, reinsurance entry, and capital event is on one audit record. The work your team does today in workbooks and emails becomes structured, traceable, and easier to manage.
- Submissions tied to underwriting workbench with appetite, referrals, and audit trail
- Policy registers with endorsement history, renewal pipeline, and COI workflow
- Premium audit pipeline calculating and posting adjustments automatically
- Claim record with FNOL, reserves, payments, and reinsurance recoverables
- Ledger with investment ingestion, Schedule F, statutory pack from source data
- Member portal with live policy, COIs, claim status, and audit results
Find the right solution for your needs
What your team gets with the system
Underwriting workbench
Appetite rules and referral routing for every case.
Policy administration
Full policy lifecycle support from issuance to renewal.
Premium audit pipeline
Mileage, headcount, payroll, and exposure are calculated automatically.
Reinsurance
Treaty registers are tied to claims. Bordereaux and Schedule F from the same source data.
Claims
Intake, reserves, payments, settlements, and recoverables.
Board and statutory reporting
Board packs are generated from one record. Statutory evidence is queried.
Member Portal
Live policy schedules, COIs on demand, claim status, and audit results.
Key business values
-
Grow without increasing headcount
As premium, broker volume, member requests, and audit work increase, the platform helps automate processes, so the back office does not scale linearly with the book.
-
Improve underwriting consistency
Appetite rules, referrals, approvals, quotes, policies, and endorsements stay connected to the same record, making underwriting consistency easier to maintain and review.
-
Reduce operational dependency on key people
The way the RRG runs is built into the workflow, not hidden in spreadsheets, inboxes, or the memory of one or two experienced employees.
-
Strengthen audit, statutory, and board readiness
Policy changes, claim payments, reinsurance entries, premium audit adjustments, investment data, and capital movements carry traceable history in the insurance general ledger, making evidence easier to find and explain.
-
Improve member and broker service
Members and brokers get faster responses on COIs, policy details, claims status, billing, audit results, and renewals through structured workflows and portal access.
-
Keep existing systems where needed
The platform can work as an operating layer around existing policy, claims, finance, TPA, broker, and reporting systems. It does not require a big-bang core replacement.
How our platform differs
Excel, homegrown tools, and carrier-origin systems solve part of the problem. Our solution was developed around the whole RRG lifecycle.
Where an RRG fits among our platforms
An RRG is not a captive, and this is not the captive platform. A risk retention group is a licensed insurer owned by its members, so it writes policies, carries reserves, and files statutory returns in its own name. That is why this page exists separately from the alternative risk platform and the captive products beside it.
If you administer captives or cells on behalf of other people, captive insurance software is the closer fit. If you carry the risk on your own book as a commercial insurer, that is what a policy administration system is for. All three share the same core, so the choice is about which configuration you license.
Key benefits by role
The platform delivers different outcomes depending on your role in an RRG.
Head / Executive
Grow the book effectively
Submissions, premium audits, COIs, and renewals are arranged in automated workflows that don’t scale linearly with headcount.
Generate board packs easily
Underwriting performance, claim trends, reinsurance position, capital, and investments – board materials are quickly generated before the meeting.
Be prepared for any audits
Every policy, claim, reinsurance entry, and capital event is queried, not gathered across workbooks the week before.
Operations
Focus on high-value tasks
Submissions from brokers are received in an inbox and tied to the underwriting workbench. Underwriter time and effort go to risk selection, not paperwork.
Automate underwriting
Configurable appetite guidance, referral routing, and audit log per case. When a complex risk is reviewed, the decision trail is in the system.
Generate COIs from policy records
When a broker or member requests a COI, it is issued from the policy itself with an approval log and reissue history.
Finance / CFO
Speed up the statutory close
Premium, claims, reinsurance, investments, and capital on one ledger. The statutory pack is produced from source data, so that the close finishes in days.
Get investment income faster
Direct ingestion of custodian statements through mapping templates. Positions and income post to the ledger automatically.
Be ready for audits
When examiners ask for the trail behind a journal entry, you run the query – no manual assembly is needed.
Automate your RRG operations.
Let’s turn manual tasks into a process you can audit.
Book a demo
FAQ
We already have a policy admin system. Do we have to replace it?
No, our solution is not deployed as a core replacement. The way this typically starts is with one or two workflows that take the most time. It may be a submission intake, premium audit, statutory pack, or member portal. The existing software stays in place. Once the new workflows run smoothly, the scope expands at your pace.
Our RRG is relatively small. Is this built for us?
Smaller RRG teams get more out of this, not less. Every hour returned to the team is a bigger share of operational capacity. The decision is the same regardless of premium size: which workflow takes the most evenings today, and is it worth fixing?
We built our own internal system. Why would we change now?
Most homegrown systems do one or two workflows well and rely on the people who built them to keep them running. The question is what happens when those people move on. If your home‑built tool already handles submission intake, premium audit, claims oversight, reinsurance, and the statutory pack with audit trail, you are ahead of the curve. If a few of those still depend on workbooks, that is exactly the gap we address.
We outsource claims to a TPA. Does that affect what DICEUS system covers?
No. Many RRGs use a TPA for adjudication. What our solution focuses on is the RRG’s own view of each claim. The TPA relationship stays in place. You get your independent view of reserve discipline, leakage, and trend without depending on the TPA’s reporting cadence.
We have a member portal on our website already. Is that sufficient?
The question is what is actually behind it. Most RRG portals are static pages with quarterly updates. The DICEUS system delivers a live view of current policy schedules, COIs on demand, real-time claim status, and premium audit results. Members who are owners expect the same visibility they would get from a larger commercial carrier.
How does the statutory close work in the system?
Premium, claims, reinsurance, and capital movements post to the same ledger as they happen, against books you configure for GAAP or statutory reporting. At close you run the period rather than assemble it, and the trial balance, balance sheet, and income statement come out of the posted entries.
Our TPA sends us loss runs. What happens to them?
You upload the file in Excel or CSV and apply a saved template that maps the TPA’s columns to the system’s own claim fields. Valid rows post as claim records, rejected rows come back as a downloadable error report, and the import feeds the loss ratio and any retrospective premium adjustment.
