If there were, it is certain they would have more business than they could handle. Obviously the answer is no> There is a way to do this, but you would have to talk to an attorney and essentially start your own small insurance co-op that generally is still regulated by the state. It may even cost you more in the end, due to the legal paperwork and fees involved. But yes, if you really wanted to, you could put a large sum of money in an account for what is called a "reserve" of just in case money. Then when each member of the co-op has a claim, they pay higher amounts until they replace all the money that they have taken out. Be careful with this type of insurance, because if you pick the wrong people to allow in the co-op and they have a large claim, but can't afford higher premiums, the other members of the co-op must pay the difference if they wish the co-op to remain in business. In short...Talk to an attorney.
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