Stern Risk Partners
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Stern Risk Partners
At Stern Risk Partners, we're helping clients connect the dots between traditional insurance and captives. Stern Risk Partners provides captive insurance consulting, feasibility, company formation and captive management services on an in-house direct to client basis. We are experts in multifamily insurance and create innovative solutions to help solve client coverage challenges which are unique to the multifamily industry.

The Stern Risk team is the largest and most experienced group in the country providing complete placement, servicing and administration of Resident Liability Insurance programs. We pre-underwrite every risk and put our clients in the best position to minimize premiums and drive down their total cost of risk.
Services
Stern Risk Partners is a specialty, niche insurance brokerage and captive management firm founded by Michael Stern and Mark Ouimette.
We work with large public and private companies on an international platform that covers the entire United States.
Our professionals have decades of experience serving a variety of industry verticals including Construction, Real Estate, Hospitality, Technology, Manufacturing, Higher Education, Retail, Healthcare and Energy.
Stern Risk Partners was founded on the principle that all businesses deserve the opportunity to benefit from the unique economics associated with programs that integrate traditional insurance with captives.
At Stern Risk Partners our team of seasoned industry professionals has been designing, forming, licensing and managing captive insurance companies for over 30 years.
We maintain the necessary relationships with key insurance regulators and have created over 300 captives in all major and emerging domiciles domestic and abroad.
We've spent our careers in corporate conference rooms all over America consulting CEO's, CFO's, Risk Managers, captive owners and prospective captive owners on the best ways to maximize captive underwriting results.
The Property & Casualty insurance market for the multifamily industry is a very challenging segment due to the unpredictable nature of its occupancy - it is also one of the largest annual expenses for multifamily operators and owners.
The structure of your insurance program and experience of your insurance broker can dramatically influence your total cost of risk over time.
Buying insurance is only one piece of your overall risk management program - we can help take it to a new level.
The Multifamily insurance marketplace is constantly changing and evolving.
Landlord required Resident Legal Liability Insurance is a trend in the multifamily housing industry that has gained considerable popularity over the last fifteen years.
It has become commonplace in today's market in all subsections of the habitational market - including traditional market rate, senior & student housing, single family rentals and manufactured housing.
The available providers of this product have also grown dramatically and include traditional insurance companies, Managing General Agents, property management software providers and self-insured solutions.
The insurance market is inherently cyclical and requires a professional that can navigate these cycles to avoid volatility in your insurance costs.
The success of your insurance program weighs heavily on properly presenting your risk to the right audience.
A static program in the current market will result in a commoditized product that does not properly protect your risk nor deliver the lowest cost program.
Our brokerage practices consist of professionals with decades of experience with discipline specificity in property, casualty, environmental and executive lines, separately.
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