Our Solution

A Risk Retention Group (RRG) is a specialized insurance company providing coverage to a homogeneous group in a similar service or industry. RRGs are federally regulated under the Liability Risk Retention Act of 1986 and are authorized to provide liability insurance in every state. While the RRG is member owned, there is no pooled or shared risk, and no ownership responsibilities of member companies.

• More focused liability coverage for your specific Facility, as compared to the regular insurance market
• More stability in policy coverage and rates. Because your RRG serves only one population, we underwrite coverage in ways that benefit the similar risks associated with like businesses
• Invaluable professional guidance and current-trend advisement about how to better protect your companies

Yes. As long as you can show proof that your previous policy has a retro date, your new insurance with us will match that same date. This means that you will be able to claim on any prior occurrences, back to that retro date, with your new policy. Retro dates can be found in the actual Policy Documents.

No. You will have your own individual policy with your own policy limits, coverage, and dates specific to your Facility. This is not a risk pool. There is no shared policy, limits, coverages, and no shared aggregate.

This is a non-auditable policy. There are no future costs or assessments. The cost presented in your proposal is what you will pay for the policy term.

Never. Every policy stands alone, there is no shared risk, and your Facility is insulated from all other policy holders.

The benefits of being in your RRG is the ability to access customized liability insurance for your Facility, with more stability and rate predictability than the standard liability insurance market. Federal and State regulations require the RRG structure to include “membership” in the form of a single share per policy holder, with no other obligations or requirements of each policy holder.

There are zero additional responsibilities. Your policy will act exactly as if you had acquired coverage in the standard insurance market, but with more benefits.

Let us handle it! There are a few ways to file an incident report and our Lawyers and Claims Handlers will mitigate these situations prior to it escalating further. The benefit of allowing our policy holders to file incident reports before becoming an actual claim is not traditionally available with other insurance companies.