Insurance Glossary

Insurance Term - Risk Retention Groups

Liability insurance companies owned by their policyholders are known as Risk Retention Groups. Membership is limited to people in the same business or activity, which exposes them to similar liability risks. The purpose is to assume and spread liability exposure amongst the group members, and to provide an alternative risk financing mechanism for liability. These entities are formed under the Liability Risk Retention Act of 1986, USA. Under this law, risk retention groups are precluded from writing certain coverage, most notably property lines and workers’ compensation. They predominantly write medical malpractice, general liability, professional liability, products liability, and excess liability coverage. They can be formed as a mutual or stock company, or a reciprocal.

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