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RCM&D Founded in 1885, RCM&D ranks among the top independent insurance advisory firms in the United States in 2025.

RCM&D is ranked among the top independent insurance advisory firms in the United States. Our specialized teams provide strategic solutions and consulting for risk management, insurance and employee benefits. Leveraging more than 140 years of experience and strong local, national and global reach, we partner with you to meet all of your business objectives. Established in 2020 through the strategic merger of Oswald Companies and RCM&D, Unison Risk Advisors™ (URA) is a high growth, privately held and majority employee-owned insurance brokerage and risk management firm. URA is comprised of a total of seven platform companies and their subsidiaries; including the addition of NSI Insurance Group in 2023, Enders Insurance and Avondale Insurance Associates in 2024, and Hatcher Insurance and Gibson Insurance Agency, Inc. Through Avondale, URA offers wholesale-produced excess and surplus lines underwriting management across property and general liability classes.

10/15/2026

Planning for 2027? The Fall 2026 Commercial State of the Market report from Unison Risk Advisors offers a closer look at where the market is easing, where cost pressure persists and what organizations should consider before their next renewal.

Open enrollment is more than selecting benefits. It's an opportunity for employees to review   savings, healthcare cover...
10/13/2026

Open enrollment is more than selecting benefits. It's an opportunity for employees to review savings, healthcare coverage, insurance elections and financial goals for the year ahead.

Download and share this guide with your employees to help them make informed benefit decisions during season: https://www.rcmd.com/blog/five-questions-to-make-open-enrollment-easier

10/12/2026
10/12/2026

Each year, the Regatta gives us the opportunity to recognize and support organizations making a difference in our communities. While the celebration eventually comes to an end, the important work continues as these nonprofits return to serving individuals, families and communities every day.

We're proud to support their missions and grateful to everyone who helps make this event possible. Take a look back at this year's Regatta. 👏

Abilities Network | Ashley Addiction Treatment | Blind Industries and Services of Maryland | Children's Hospital of Philadelphia | Henrico CASA - Court Appointed Special Advocates for Children | Pikesville Armory

Video by: Aliceanna Collective

Congratulations to our employees celebrating work anniversaries this month! Thank you for your contributions and commitm...
10/09/2026

Congratulations to our employees celebrating work anniversaries this month! Thank you for your contributions and commitment to our shared success.

Sara Petrov has been promoted to Client Service Representative supporting both our Healthcare and Commercial lines teams...
10/08/2026

Sara Petrov has been promoted to Client Service Representative supporting both our Healthcare and Commercial lines teams. Sara has consistently demonstrated a strong commitment to client service, collaboration and supporting the needs of our clients. In her new role, she will continue building trusted relationships, delivering exceptional service and helping drive positive outcomes for our clients and team. Congratulations, Sara!

COBRA and state continuation coverage requirements remain a critical compliance area for employers. This webinar will re...
10/08/2026

COBRA and state continuation coverage requirements remain a critical compliance area for employers. This webinar will review federal obligations, including qualifying events, election procedures, notice requirements and premium administration. We’ll also examine how state continuation laws differ from and interact with federal COBRA, helping employers navigate overlapping requirements and reduce .

đź“… Thursday, October 22 at 3:00 p.m.
đź”— Register today: https://www.rcmd.com/events/cobra-basics-state-continuation

It was a great few days at the SHRM Maryland conference! Our   team enjoyed connecting with HR leaders, exchanging ideas...
10/07/2026

It was a great few days at the SHRM Maryland conference! Our team enjoyed connecting with HR leaders, exchanging ideas and discussing the evolving challenges and opportunities impacting employers and their workforces. Thank you to everyone who stopped by!

10/06/2026

Construction companies face growing cyber risks, from ransomware to payment fraud. Learn how cyber insurance helps protect projects, data and business operations.

How do EMR, TRIR, DART and SIF work together to give a fuller view of workplace safety? This blog breaks down what each ...
10/06/2026

How do EMR, TRIR, DART and SIF work together to give a fuller view of workplace safety? This blog breaks down what each metric reveals. ⬇️

Learn what EMR, TRIR, DART and SIF measure, how they differ and how these workplace safety metrics can affect insurance costs, bids and reputation.

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4 North Park Drive, Suite 500
Hunt Valley, MD
21030

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