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Risk Retention Groups (RRG) were created by the Federal Liability Risk Retention Act of 1981, amended in 1986, to help business and professional organizations obtain liability insurance that had become unavailable or unaffordable. The Act provided for creation of liability insurance companies owned by their members and known as Risk Retention Groups. An RRG domiciled in one state is allowed to operate in, any other state without additional licensing.

Sophia Palmer is registered with the Florida Insurance Department and licensed in Nevada. The Uni-Ter Group of Atlanta, GA, administrator of Sophia Palmer Nurses RRG, Inc., created the first RRG in the nation to provide Professional Liability Insurance to long-term care facilities.



Risk Retention Groups are insurance companies owned by their policyholders. Nurses who become shareholders in the Company own Sophia Palmer.



Risk Retention Groups are restricted by law to writing liability insurance.