Learn more about ESI, our risk purchasing group.

Let us help you make an impact with your clients.

The Power of Our Risk Purchasing Group

All of our programs utilize Entertainment Services Inc. (ESI), a national* risk purchasing group. ESI leverages the strength of volume buying and an in-depth understanding of your clients’ operations and exposures to negotiate best in class liability products and services with competitive pricing.

ESI members benefit from:

  • CGL and excess liability coverage forms designed specifically for the needs of members.
  • Strength, stability and a demonstrated commitment to your clients’ industry from our A++ XV rated carrier partner.
  • Access to industry-specific, best practice articles and risk management content curated by our claims and loss control specialists.

*ESI is filed and approved as a risk purchasing group in 49 states (xAlaska) and the District of Columbia.

Risk Purchasing Group FAQ’s

  • What is a risk purchasing group?
    A risk purchasing group is a legal entity created by, or on behalf of, a group of businesses with similar risk profiles that unite for the purpose of buying liability insurance. The entity purchases insurance for its members from a commercial insurance carrier. Risk purchasing groups are authorized under the Liability Risk Retention Act of 1986 and are subject to federal and state-specific legislation.
  • How does a risk purchasing group differ from a risk retention group?
    Risk retention groups are authorized under the same federal legislation. However, a risk retention group acts as the insurer of the members. It is regulated as an insurer and subject to capital requirements.
  • Do members of ESI share program limits?
    No. Each member has their own limits of liability.
  • If another member of the risk purchasing group has large losses, will it affect my client’s rates?
    No. Each risk is individually rated based on its exposures, risk management practices and loss history.

Available Exclusively through Impact Programs

All of our programs are available on a national basis and exclusively through Impact Programs and its affiliates. With these programs you can position your agency as a market specialist in our targeted industries, offering a powerful combination of industry leading coverage, responsive claims management and competitive pricing. To learn more about submitting a risk, please click here or call us at (913) 218-3910.