P&CPennsylvaniamedium
Under the Pennsylvania Risk Retention Act at 40 P.S. § 991.1501-991.1512 et seq., a foreign risk retention group (RRG) that wishes to do business in Pennsylvania is generally:
Permitted to operate after registering with the Department and complying with limited PA filing requirements
BRequired to obtain a full PA certificate of authority just like a primary admitted insurer
CA foreign RRG may never operate in Pennsylvania even after registering and submitting the filings required by federal and state law
DRequired to write only personal lines coverage
Why this is the answer
Under 40 P.S. § 991.1501-991.1512 et seq., Pennsylvania implements the federal Liability Risk Retention Act. A foreign RRG chartered in another state may operate in PA after registering with the Department, providing required filings (charter, business plan, financial statement, designation of the Commissioner for service of process), and paying any applicable fees and premium taxes. It does not need a full PA certificate of authority and is not limited to personal lines — RRGs write commercial liability for member-owners.
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