R.I. Gen. Laws § 27-17-22: Maximum liability on policy.

No reciprocal exchange or interinsurer shall issue or deliver any policy insuring property or interests in this state, the liability on which shall exceed an amount equivalent to ten percent (10%) of its surplus, unless the excess of liability over the ten percent (10%) is reinsured in a company that maintains financial standards at least equal to those required by the laws of this state.