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This electronic information is published for educational purposes only and is not intended to be a solicitation or sale of insurance to any person not eligible for membership. Risk retention groups operate under the federal Liability Risk Retention Act of 1986 and provide insurance for the common liability risk exposure of eligible group members. Different state laws may apply. Policies issued by a risk retention group may not be subject to all of the insurance laws and regulations of your state. State insurance insolvency guaranty funds are not available for risk retention groups. This electronic information is intended solely to provide general information and is not intended to constitute legal advice. If legal advice is desired or needed, an attorney should be consulted.