I 
114TH CONGRESS 
1ST SESSION H. R. 3794 
To amend the Liability Risk Retention Act of 1986 to expand the types 
of commercial insurance authorized for risk retention groups serving 
nonprofit organizations and educational institutions, and for other pur-
poses. 
IN THE HOUSE OF REPRESENTATIVES 
OCTOBER 21, 2015 
Mr. ROSS (for himself and Mr. PERLMUTTER) introduced the following bill; 
which was referred to the Committee on Financial Services 
A BILL 
To amend the Liability Risk Retention Act of 1986 to ex-
pand the types of commercial insurance authorized for 
risk retention groups serving nonprofit organizations and 
educational institutions, and for other purposes. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Nonprofit Property 
Protection Act’’. 
SEC. 2. COMMERCIAL INSURANCE. 
The Liability Risk Retention Act of 1986 is amend-
ed— 
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(1) in section 2(a) (15 U.S.C. 3901(a))— 
(A) in paragraph (6), by striking ‘‘and’’ at 
the end; 
(B) in paragraph (7)(B), by striking the 
period at the end and inserting ‘‘; and’’; and 
(C) by adding at the end the following new 
paragraph: 
‘‘(8) ‘commercial insurance’ includes all forms 
of commercial insurance but does not include health, 
life, or disability insurance or workers compensation 
insurance or express contractual obligations owed to 
a consumer as a result of a personal, family, or 
household transaction, where a separate consider-
ation is paid by the consumer for the express con-
tractual obligation.’’; and 
(2) in section 3(b) (15 U.S.C. 3902(b))— 
(A) in paragraph (2), by striking ‘‘and’’ at 
the end; 
(B) in paragraph (3), by striking the pe-
riod at the end and inserting ‘‘; and’’; and 
(C) by adding at the end the following new 
paragraph: 
‘‘(4) the provision of other lines of commercial 
insurance by a risk retention group to an organiza-
tion organized and operated exclusively for purposes 
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‘‘(E) the total insured value of the risks 
covered by the initial policy for other forms of 
commercial insurance provided by a risk reten-
tion group to any one member of the risk reten-
tion group does not exceed $50,000,000, pro-
vided further that— 
‘‘(i) the amount specified in this para-
graph shall, beginning one year after the 
date of the enactment of the Nonprofit 
Property Protection Act and on an annual 
basis thereafter, be adjusted by a percent-
age equal to the estimated percentage in-
crease, if any, in the Consumer Price 
Index, which adjustment shall be subject to 
approval by the risk retention group’s 
domicile state regulator; and 
‘‘(ii) for purposes of this paragraph, 
any computation of total insured value 
shall exclude liability insurance coverage 
provided by a risk retention group to any 
member as authorized pursuant to this 
Act.’’. 
SEC. 3. CONFORMING AND CLARIFYING AMENDMENTS. 
The Liability Risk Retention Act of 1986 is further 
amended— 
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(1) in section 2(a)(4) (15 U.S.C. 3901(a)(4))— 
(A) in subparagraph (C)(i), by striking ‘‘a 
liability’’ and inserting ‘‘an’’; and 
(B) in subparagraph (G)— 
(i) in clause (i), by inserting ‘‘or other 
commercial’’ after ‘‘liability’’ each place 
such term appears; and 
(ii) in clause (ii), by inserting ‘‘or 
other commercial’’ after ‘‘liability’’; 
(2) in section 3 (15 U.S.C. 3902)— 
(A) in subsection (a)(1)(C), by inserting 
‘‘or other commercial’’ after ‘‘liability’’; and 
(B) in subsection (d)(1)(B), by inserting 
‘‘or other commercial’’ after ‘‘liability’’; and 
(3) in section 6(b) (15 U.S.C. 3905(b)), by in-
serting ‘‘or other forms of commercial’’ before ‘‘in-
surance by a risk retention group’’. 
SEC. 4. AMENDMENT TO SHORT TITLE. 
Section 1 of the Liability Risk Retention Act of 1986 
(15 U.S.C. 3901 note) is amended by striking ‘‘Liability 
Risk Retention Act of 1986’’ and inserting ‘‘Risk Reten-
tion Act of 1986’’. 
Æ 
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