California public agencies can act together pursuant to a joint exercise of powers agreement. Many such groups jointly self-insure and buy insurance. I help with JPA governance, compliance, and insurance coverage analysis and advice.
California law allows employers in the same industry to self-insure for workers' compensation coverage. I advise about SIG governance, compliance, and excess insurance issues.
Similar to JPAs and SIGs, risk retention groups allow members of the same industry to form an insurance company and provide owners with coverage. Because the owners are also the insureds, RRGs require coverage analysis and advice that is reasonable and consistent.