H.A.R.I.E. v. Lackawanna County

MINORA, J.,

I. Introduction

B ackground/Parties

The plaintiff in the initial action is the Housing and Redevelopment Insurance Exchange (hereinafter H.A.R.I.E.). It is an insurance business organized as an insurance indemnification reciprocal insurance exchange in the Commonwealth of Pennsylvania. It is by definition an unincorporated group of subscribers which act as both insurer and insured. There exists no ownership in a reciprocal insurance exchange. (See N.T. June 20, 2014 *227pp. 176-184). An attorney-in-fact (FOXCO) is legally required for both operational function and regulatory compliance.

Th…