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American Risk Pooling Consultants, also known as ARPCO, provides third-party administration services for risk-sharing pools of governmental entity risks. It offers various underwriting, claims, loss control and reinsurance services. Located in Southfield, Mich., ARPCO is solely a fee-based business. It also receives commissions on excess per occurrence insurance placed in the commercial market. The company s staff consists of attorneys specialized in public entity claims. American Risk Pooling Consultants is owned and operated by First Mercury Financial Corporation, which operates various insurance and noninsurance companies. Its subsidiary, All Nation Insurance Company, is licensed as an admitted carrier in more than 15 states. It provides quota share reinsurance to First Mercury Financial Company.