BHG Risk Management Authority (BETA) is operated by and for its members. Members' annual contributions are utilized to provide liability coverage and supporting programs, representing a cost-effective departure from the traditional insurance model. With no shareholders to compensate, excess revenues from favorable loss experience and investment income can be returned to members or reinvested in the program to ensure long-term rate stability.

Policy decisions are made by the BETA Council, whose 15 voting members are elected from among participating facilities. The council and its five committees meet quarterly to vote on all matters affecting the program, including strategic goals, coverage changes and new product decisions. The direct line of authority between the council and BHG staff has fostered a culture based on responsiveness and shared objectives.

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