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GHARRP self-funds the first $100,000 of loss. By retaining the 'working layer' of our expected losses, GHARRP is able to pass along premium savings to its Members. GHARRP purchases excess coverage above $100,000 at a substantial discount to members.

Our first layer of excess coverage is placed with Captive Housing Insurance CO. (CHIC). CHIC is a Vermont domiciled captive insurance company partially owned by GHARRP. To further control cost, GHARRP purchases stop-loss to cap losses in the $100,000 layer. High excess layers are provided by global companies, such as Travelers and Genesis, and are competitively bid.

GHARRP places certain specialty coverages are placed directly with an insurer, such as Pollution Liability, Boiler & Machinery, and Cyber-Liability.