While The Attorneys For Freedom Law Firm (“AFF”) decided to form The Attorneys On Retainer Association (“The Association”) to encourage and promote firearms training and offer many additional benefits, a Risk Retention Group was needed to provide commercial liability coverage to its members. As a law firm, AFF could not provide this product to its members because liability coverage is a traditional insurance product. Under insurance laws, no coverage is ever available for acts such as robbing banks or other intended criminal purposes. However, a Risk Retention Group can provide coverage for incidents when there is a good faith basis to assert the act was done in self-defense. Traditional commercial insurers regularly exclude coverage in this area as well as in many other areas that the original AOR Program did not exclude. Therefore, a specialty private insurance program created and run by AFF was needed to fill that market void.