Stable Rates
The Mental Health Risk Retention Group has never increased rates, except to adjust for inflation.

Comprehensive Coverage
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

Shareholder Dividends
As a risk retention group, Mental Health Risk Retention Group's profits can inure only the benefit of the policyholders through dividends, rate stability, or rate reduction.

Loss Prevention Series
Our series of videotapes, CD's, Cassettes and written educational materials to prevent serious losses is complimentary to policyholders. Topics to date include sexual misconduct, violent clients, liabilities and wrongful termination of employees, and responsibilities of directors and officers.

Negley Risk Management Awards
The Negley Awards are a series of cash grants presented annually to provider organizations who demonstrate excellence in risk management practices.

Protection Against Cancellation
No policyholder has ever had its 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?

Specialized Claims Handling
Our claims staff, is focused and experts 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.

Hotline
A free risk management hotline is available to insureds to answer questions regarding how liability claims can be prevented.