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About Us


In fact, mistakes related to medical stop loss placements are one of the most common causes of Errors & Omission claims against leading benefits consulting firms. Many of their consultants simply don't know the coverage.


In response, some firms have developed stop loss 'purchasing pools' run by a few specific consultants - however, not for the stated benefit of reducing their client's premiums, but instead to manage their own firm's exposure to E & O claims. At Aegis Risk, stop loss is a dedicated expertise, not a loss control initiative.


An Independent Consultative Approach


Aegis Risk was founded in 2005 by Ryan Siemers, a health and welfare benefits professional with over 30 years experience in health plan underwriting and benefits consulting. Together with other members of the Aegis Risk team, he continues to leverage firm expertise for Aegis Risk clients and partners.

Aegis - the protective shield of Athena - goddess of war and wisdom


Aegis Risk was created to provide dedicated and knowledgeable focus on the aspects of an employee benefit program with a distinct orientation towards risk management - particularly medical stop loss. 


While your existing benefits consultant or broker interacts with such coverage on an infrequent basis - at Aegis Risk, it's our focus.


Ryan Siemers, CEBS


Ph: 703.778.6520




As the founder of Aegis Risk, Ryan is a nationally recognized expert on self-funding and catastrophic claimant risk management. He leads firm strategy and is responsible for overall client, partner and carrier relationships. He authors the annual Aegis Risk Medical Stop Loss Premium Survey.


Formerly a large firm health and welfare strategy consultant, he advised organizations including Marriott International, Bank of America and U.S. Foodservice. However, his practice still included many "mid-sized" employers with medical stop loss - a coverage most of his large consultant peers did not understand or advise. Seeking an opportunity to start his own firm in 2005, he elected to focus on medical stop loss. In the words of his national practice leader upon sharing his resignation "Stop loss - that's a good one. We don't cover that well at all."

Ryan proudly holds the Certified Employee Benefit Specialist (CEBS) designation and is the past President of the over 3,000 member International Society of CEBS. An avid skier, he is a volunteer member of the National Ski Patrol.


Our plan year services are typically compensated via fully disclosed plan commissions or mutually agreed upon fees-for-service. Unlike many national employee benefits brokers and consultants, Aegis Risk does not require a "pay to play" payment from stop loss underwriters and insurers to be included in a designated panel for our market bids and RFPs.


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