The Liability Risk Retention Act requires that purchasing groups (PGs) and risk retention groups (RRGs) be comprised of members who are engaged in similar businesses or activities which expose them to similar liabilities. By bundling insurance buyers into homogeneous units, the LRRA has enabled the development of specialized niche markets to serve these needs.

The Purchasing Group marketplace is dominated by four business segments: Professional Services, Manufacturing and Commerce, Property Development and Healthcare.

The Risk Retention Group premium marketplace is dominated by three business segments: Healthcare, Professional Services and Government and Institutions.
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