Mental Health Risk Retention
Group --
What Sets Us Apart
Dividends
As a risk retention group, Mental Health Risk Retention
Group's profits can incure only to the benefit of the policyholders
through dividends, rate stability, or rate reduction.
Specialized Claims Handling
Our claims staff, of necessity, is focused and
expert on the unique problems of behavioral health, such as those
related to sexual misconduct, suicide and client violence. Their
expertise has helped us hold down the cost of claims and we believe
it to be the best in the industry.
No Sudden Cancellation
No policyholder has ever had it's insurance cancelled.
No organization will ever be cancelled or nonrenewed by us without
one full year's notice (except for non-payment of premium). Would
any other insurance company make this commitment?
Rate Stability
The Mental Health Risk Retention Group has never
increased rates, except to adjust for inflation.
Unique Coverages
Our products are tailored to the needs of behavioral
healthcare providers who are our only customers. Coverages are constantly
evolving as new areas of exposure become apparent. A few examples:
- physician coverage included
- no sexual misconduct exclusion
- employment practices liability included in D&O
liability
- employees and volunteers included as insureds
- defense costs in addition to limits
Loss Prevention Program
Our series of videotape and written educational
materials to prevent serious losses in complimentary to policyholders.
Topics to date include suicide malpractice, sexual misconduct, violent
clients and wrongful termination of employees.
Merit Award Program
The Negley Awards are a series of cash grants presented
annually to provider organizations who demonstrate excellence in
risk management practices.
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