HARP is a risk purchasing group formed pursuant to the Risk Retention Act of 1986 (15 U.S.C. 3901 et. Seq.) ("ACT") in order to permit a group of individuals who share common or similar liability exposure to join together to purchase liability insurance on a group basis. Each member shall receive its own limit of insurance, limits are not shared with other members. The RPG places insurance with financially stable insurance companies who have a commitment to the real estate/hospitality industry.