RCM&D, Inc.

RCM&D, officially known as Riggs, Counselman, Michaels & Downes, Inc., is an insurance advisory firm founded in 1885 by Charles E. Riggs, with its headquarters located in Hunt Valley, Maryland. The company specializes in providing risk management, insurance, and employee benefits solutions, operating as part of Unison Risk Advisors, a platform formed in 2020 through a strategic merger with Oswald Companies. RCM&D serves a diverse range of industries, including healthcare, construction, education, real estate, technology, and non-profits, leveraging over 135 years of experience to deliver tailored solutions. The firm maintains a strong regional presence with five locations across the mid-Atlantic and is majority employee-owned, emphasizing an independent brokerage model focused on client interests. Business/Product Breakdown RCM&D offers a comprehensive suite of services centered on risk management, insurance, and employee benefits consulting, designed to protect clients' financial, human, and physical assets. Its core offerings include commercial property and casualty insurance, employee benefits programs, and specialized risk consulting services. Through its subsidiary, RCM&D Self-Insured Services Company (SISCO), the firm provides third-party administration for self-insured, fully insured, or high-deductible programs, focusing on claims management and cost efficiency. The company employs advanced technological resources and a consultative approach to deliver customized solutions, supported by access to global insurance markets through affiliations like Assurex Global.