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About Trinity Risk Solutions

100_1312Trinity Risk Solutions Risk Retention Group's mission is to provide the highest level of liability insurance protection, clinical and operational risk management, specialized claim assistance, and regulatory compliance assistance for quality non-profit long-term care providers.

Domiciled in Washington, DC, TRS is organized as a Reciprocal RRG, governed by a dedicated group of board members passionate about protecting the program, serving the members and ensuring the goal of a “permanent Risk Management and Insurance Solution." The Subscribers Advisory Board (SAC) meets on a quarterly basis and additionally as needed. Members come together once per year at the Annual Membership meeting.  In addition, the SAC meets once per year in Washington, DC, where there is direct access to DC-based regulators and professional service providers. Since our inception on April 1, 2004, we have enjoyed an underwriting profit, net income and an increase in surplus every year.  100% of all income and surplus is owned by the members. 

What is a Risk Retention Group?

Risk Retention Groups are alternative risk financing mechanisms authorized under the Federal Risk Retention Act as amended in 1986. An RRG is an organization in which all policy holders are also stockholders and whose members are engaged in business or activity that is similar with respect to their liability.

What is a Reciprocal?

By law, a reciprocal must allocate all profit, loss, and related investment income to the members on an annual basis. TRS RRG establishes a subscriber’s savings and a subscriber’s surplus account for each insured. 100% of all underwriting and investment income is allocated to the subscriber’s savings accounts, and 100% of all paid-in capital is allocated to the subscriber’s surplus account. The tax treatment of the allocated income is based on each subscriber’s tax status, and all TRS RRG members are 501c3 organizations.


This electronic information is published by Trinity Risk Solutions, a reciprocal risk retention group, for educational purposes only and is not intended to be a solicitation or sale of insurance to any person not eligible for membership or in states where the risk retention group has not filed its registration as required by the federal Liability Risk Retention Act of 1986 (LRRA). 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.

 Policies issues 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.

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