National Council for Mental Wellbeing

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The National Council, along with the Mental Health Corporations of America, founded and endorsed the Mental Health Risk Retention Group, Inc. (MHRRG) more than 20 years ago, to provide an innovative, stable source of comprehensive liability insurance customized to meet the evolving coverage needs of behavioral health care providers and to improve the quality of care through loss prevention program development. MHRRG offers stabilized premiums, protection against arbitrary cancellation, quality coverage and a loss prevention program. As a risk retention group, MHRRG’s profits benefit the policyholders through dividends. To date, they have paid back more than $10 million to shareholders. MHRRG’s claims staff has years of expertise on the unique problems of behavioral health, such as those related to sexual misconduct, suicide, and client violence. This has helped MHRRG cut down the cost of claims to the most competitive in the industry. MHRRG is managed by a team of experts at Negley Associates that includes distinguished attorneys, nationally-known actuaries, reinsurance companies and underwriting managers with decades of experience specializing in behavioral health liability insurance.

Negley Associates is MHRRG’s underwriting management firm and serves the insurance needs of health care and social service providers. Coverage includes workers compensation, general and professional liability, directors and officers’ liability, property and physician policies. They work with agents and brokers across the U.S. to produce customized insurance policies for their clients, as well as outstanding risk management tools. MHRRG and Negley Associates offer customized insurance coverage for primary care services delivered in behavioral healthcare organization, as well as a comprehensive insurance program and an exclusive loss prevention series for behavioral healthcare providers.


MHRRG and Negley offer the following types of insurance coverage for behavioral health organizations:

  • Professional liability
  • General liability
  • Directors and officers liability (including employment practices liability)
  • Business automobile
  • Commercial property
  • Workers compensation
  • Excess liability/umbrella
  • Property
  • Cyber Liability and Breach of Privacy