Through Health Providers Insurance Alliance, its managed insurance program, RCM&D offers Virginia hospitals and health systems a wide range of products including professional, general, umbrella or excess, directors’ and officers’ liability, workers compensation, property, auto, and casualty coverage. It provides access to alternative risk mechanisms including large deductible programs, self-insurance programs, and captive formation and management. The employee benefit division offers coverage including life, health, disability, AD&D, voluntary and executive benefits.