There is real meaning behind the & in RCM&D.

It represents the "something more, something extra" you get from each of our practitioners and employees. It's the extra effort, the additional idea, the "one more question". It is this "looking further and looking deeper" that makes all the difference in helping you avoid unnecessary risks, select the right insurance coverage, or offer the best benefit programs.


RCM&D has the right people and a collaborative approach.

Our client teams are staffed by seasoned professionals and experts in your industry who stay involved day after day, year after year. We immerse ourselves in your business, learning every aspect of it and understanding your priorities. Most importantly, we empower our practitioners to act on your behalf, to solve problems and deliver solutions. This approach has made us more effective and easier to work with and has allowed us to develop long term partnerships with our clients.


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RCM&D Blog Feed

Occupational Heat Stress
When workers are exposed to hot and humid conditions their bodies may not be able to maintain a normal temperature, leading to serious illness or death.
Use a Smartphone? You Could be a Victim of “Smishing”
You’ve likely heard of “phishing,” the method by which identity thieves use phony e-mails to “fish” for personal information.
Energy drinks present heat-safety risks
For those who participate in outdoor activities or work in the heat, beware of consuming energy drinks.
AEDs and the Good Samaritan Law
The American Heart Association states that at least 20,000 lives could be saved annually by the prompt use of AEDs.  Key to survival is timely initiation of a “chain of survival