eMaxx Launches Reciprocal Insurance Exchange to Enhance Risk Management
eMaxx Establishes Arkansas-Based Reciprocal Insurance Exchange
TAMPA, Fla., January 13, 2026 - eMaxx, a leader in managing general agency and attorney-in-fact services, has launched the eMaxx Reciprocal Insurance Exchange in Arkansas. This strategic platform is set to provide commercial property and casualty insurance solutions, serving as both reinsurer and insurer, designed to enhance risk management and underwriting capabilities.
Owned by its policyholder subscribers, the Reciprocal aims to bolster eMaxx's alternative risk insurance programs. This initiative supports eCaptiv, a captive insurance entity under eMaxx, structured with protected cells as a mutual benefit corporation. The Reciprocal advances regulatory compliance and offers diverse pathways for risk-bearing entities.
"The introduction of the eMaxx Reciprocal Insurance Exchange is a pivotal step in expanding our alternative risk offerings," remarked Brian McCarthy, CEO and President of eMaxx Assurance Group of Companies, Inc. This structure integrates policyholders as subscribers and owners, promoting disciplined underwriting practices and strong governance, essential in today's challenging climate of social inflation and rising loss costs.
Participation in the eCaptiv program mandates members to become subscribers of the Reciprocal, with daily operations managed by an independent Attorney-in-Fact (AIF). This arrangement underscores a significant evolution for members dedicated to robust governance and loss prevention, driving long-term engagement with shared responsibility.
Subscribers must adhere to rigorous loss prevention and safety protocols, including using cloud-based dash cameras and telematics. Requirements further include implementing driver behavior technologies such as inward-facing cameras and phone blocking systems, participating in monitoring programs, and engaging in quarterly training sessions. Members also face compliance requirements for ongoing motor vehicle record checks, progressive disciplinary policies, sharing telematics data, attending the Risk Management Summit, adopting return-to-work programs, and timely claims reporting.
eMaxx Insurance Services, LLC, as the Attorney-in-Fact, oversees the Reciprocal Insurance Exchange and the eCaptiv program. The company is domiciled in Arkansas and strategically enhances protected cell reinsurance within the industry, providing significant value in alternative risk management models.
About eMaxx
eMaxx provides specialized property and casualty insurance and reinsurance solutions through its policyholder-owned alternate risk programs. These solutions are technology-driven, incorporating risk management services that address shifts in traditional insurance structures. eMaxx Insurance Services, LLC is active in retail, wholesale, program administration, and functions as Attorney-in-Fact. eTechnology Services, LLC supports these solutions with platforms for underwriting, loss prevention, and telematics. eRisk Solutions, LLC manages claims and offers litigation, subrogation, and environmental claims services. Meanwhile, eCaptiv LLC licenses captive insurance programs, and the eMaxx Reciprocal Insurance Exchange operates as a subscriber-owned insurer.
For further details, visit eMaxx Group.
Source: Business Wire