Attorneys On Retainer Adds HUGE New Benefits: How We Did It
April 2, 2025
The Attorneys On Retainer Program (AOR) has added substantial benefits. Criminal defense attorneys Andy Marcantel and Marc J. Victor discuss the benefits.
Background
The changes to The AOR Program stem from a growing trend among states to regulate legal defense memberships and civil liability products as “insurance.” Some states suggest that prepaid self-defense memberships resemble “murder insurance.” For example, Connecticut issued a cease and desist without notice, alleging AOR to be insurance.
“They can literally pick anything they want and say that’s insurance. Each state gets to decide for themselves what qualifies.”
Risk Retention Group
A Risk Retention Group (RRG) is a federally enabled solution authorized under the 1986 Liability Risk Retention Act. Unlike self-defense programs backed by traditional insurance, an RRG is a self-owned mutual entity. A RRG allows policyholders with similar risks to band together under one umbrella. It’s regulated by a chartering state – in AOR’s case, Montana, a pro-freedom jurisdiction.
This legal structure offers Attorneys On Retainer full control over coverage decisions, preserves attorney-client privilege, and avoids third-party interference from traditional insurers.
Expanded Benefits
Legal and Constitutional Defense
- Pro bono support for high-impact cases that align with self-defense and pro-freedom principles.
- Red flag law and emergency order coverage, up to $15,000.
- Civil liability coverage starts at $100,000, with plans to expand to higher limits.
- Funding for record sealing and expungement, up to $5,000, based on jurisdictional allowances.
Training and Education
- Access to high-quality, advanced self-defense training and education.
Business-Focused Benefits
- Commercial liability coverage for businesses and firearms instructors.
- Employee benefits packages for businesses and organizations.
- Commercial affiliate program for association members.
- Business development resources for members.
Program Entities
- Attorneys For Freedom Law Firm: Provides legal representation and makes all coverage decisions.
- Attorneys On Retainer Program: Membership organization that represents clients in self-defense-related cases.
- Attorneys On Retainer Association: A membership community that provides additional benefits beyond just legal defense, like education and the ability to earn affiliate commissions.
- The Attorneys For Freedom Risk Retention Group: Writes the policies and funds all legal representation services, civil liability, and red flag coverage.
Conclusion
With self-defense programs backed by traditional insurance, non-lawyers and adjusters make the decisions. However, AOR members are represented by experienced criminal-defense attorneys. All client communications remain protected by attorney-client privilege.
“We’ve added all that stuff to our program. We’re not done adding. We’re going to continue to work on this thing. So, we stay the best program.
If you want reliable legal defense for self-defense cases without all the unnecessary exclusions, become a member of The Attorneys On Retainer Program. For more information, please contact us by calling 866-404-5112 or email us.
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