Business Details
Emergency
services
Trusted Insurance Solutions for Businesses Nationwide
Stern Risk Partners is a specialized insurance brokerage and captive management firm founded on the principle that all businesses deserve tailored solutions combining traditional insurance with captives. Our team, led by industry veterans Michael Stern and Mark Ouimette, brings decades of experience across sectors like construction, real estate, healthcare, and technology. We prioritize client-focused strategies over corporate bureaucracy, offering creative solutions to reduce insurance costs and identify new profit centers.Our in-house expertise spans captive insurance consulting, multifamily risk management, and resident liability programs, serving clients nationwide with a commitment to transparency and results-driven service. With a deep understanding of evolving insurance markets, we help clients navigate challenges through proprietary methodologies and access to over 50 insurance carriers globally.
Services
Captive Insurance
Multifamily Insurance
Resident Liability Insurance
Property & Casualty Insurance
Claims Management
Highlights and features
- We offer 30+ years of in-house captive insurance expertise and 200+ captives formed.
- Our team provides end-to-end services without outsourcing critical functions.
- Client-focused approach prioritizes long-term value over corporate politics.
- Transparent compensation structures aligned with client success metrics.
- Deep industry specialization across construction, real estate, and healthcare sectors.
Services
Captive Insurance
Captive insurance solutions design, formation, and management services tailored to client needs. Our team structures programs that reduce risk costs while creating potential profit centers through affiliated exposures. With relationships in major domiciles, we deliver customized captive frameworks aligned with business objectives.
Multifamily Insurance
Specialized insurance programs for multifamily housing operators addressing unique risks like tenant liability and property damage. We leverage market expertise to secure competitive rates while integrating resident liability solutions that enhance revenue streams through ancillary income opportunities.
Resident Liability Insurance
Comprehensive liability programs for apartment managers requiring resident insurance. Our services include program administration, captive integration, and revenue optimization strategies. As the largest provider in this niche, we ensure compliance while maximizing financial benefits for property owners.
Property & Casualty Insurance
Customized P&C insurance solutions with pre-underwriting analysis to minimize premiums. Our brokers negotiate favorable terms across global markets, focusing on risk mitigation strategies and policy structures that protect assets while supporting business continuity during claims processes.
Claims Management
Dedicated claims advocacy services for property and casualty losses. Our specialists guide clients through emergency response protocols, coverage interpretation, and settlement negotiations. We prioritize rapid resolution while ensuring policy benefits are fully realized through proactive carrier communication.
People
Michael Stern
CEO
Co-founder with 30+ years of captive insurance expertise, pioneering innovative risk financing solutions. Leads strategic direction while maintaining direct client relationships across diverse industries.
Mark Ouimette
President
Co-founder driving operational excellence in captive management and insurance brokerage. Focuses on expanding industry specialization and maintaining regulatory relationships in key domiciles.
Kirk Mooneyham
Executive Vice President
Senior leader overseeing client service delivery and program implementation. Brings extensive experience in structuring complex insurance solutions for large commercial accounts.
Stephen Stern
Executive Vice President
Specializes in captive formation and risk transfer strategies. Works closely with clients to optimize insurance programs through integrated financial structures and regulatory compliance.
Aubrie DesCombes
Senior Vice President
Resident liability insurance expert managing program administration and revenue optimization. Develops customized solutions for multifamily housing providers across all 50 states.
Questions
What insurance services do you specialize in?
We focus on captive insurance, multifamily insurance, resident liability programs, property & casualty coverage, and claims management tailored to specific industry needs.
How do captive insurance programs benefit businesses?
Captives allow businesses to control risk financing, capture underwriting profits, and create new revenue streams while customizing coverage to specific exposures.
Do you work with multifamily housing providers nationwide?
Yes, we serve multifamily clients across all 50 states with specialized insurance solutions and resident liability program administration.
How do you handle claims management?
Our dedicated claims specialists advocate for clients throughout the process, from emergency response to settlement, ensuring policy benefits are maximized.
What industries do you serve?
We specialize in construction, real estate, healthcare, technology, manufacturing, and higher education sectors with tailored risk management solutions.
