No, AOR is not an insurance company. Instead, we have chosen to form a Risk Retention Group (RRG) to provide commercial liability coverage for our members. The name of our RRG is The Attorneys For Freedom Risk Retention Group, Inc. Unlike traditional insurance companies, an RRG is a creature of federal law and is not subject to most state insurance regulations. Unlike traditional insurance companies, an RRG allowed The Attorneys For Freedom Law Firm to write the RRG’s policy. The RRG policy does not contain many of the exclusions commonly found in traditional insurance policies. Indeed, the RRG policy specifically does not exclude criminal acts, illegal weapons, sensitive areas, drug or alcohol use, domestic violence, or prohibited possessors. The attorneys at The Attorneys For Freedom law firm exclusively interpret all aspects of the RRG policy including all coverage determinations. The RRG Policy does not include any recoupment clause.