In her March 6 “Editorial Comment,” headlined “D?j? Vu Whiplash,” National Underwriter Senior Editor Caroline McDonald raised questions about the wisdom of creating a new alternative risk-financing group–the recently launched American Risk Retention Coalition. In this “Letters To The Editor” section, we run three responses.

Among the issues Ms. McDonald raised was the need for another national ART organization, with the Captive Insurance Companies Association and the National Risk Retention Association already established, and with an earlier umbrella group–the Coalition of Alternative Risk Funding Mechanisms, or CARFM–being disbanded due to lack of support. She also questioned the additional cost to ART market players.

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