Why Form a Risk Retention Group?
March 24, 2025
One of the biggest challenges of offering a national self-defense membership as a law firm was our inability to provide coverage for civil liability, red flag laws, and records expungement. The past version of the AOR membership could not offer insurance, because, unlike many competing programs, it was not backed by or associated with an insurance company.
We knew that we had the best legal defense plan in the industry, but we wanted to add civil liability, red flag coverage, and expungement. Utilizing only a law firm, it was not possible to add these items. With the constant demand to provide these coverages for our current AOR members, along with a growing concern about anti-gun states attempting to require liability insurance for all firearms owners, we decided to investigate what options existed that allowed us to maintain all aspects of The AOR Program without giving up the attorney-client privilege, confidentiality, or any of the non-exclusions our clients came to rely on.
The Need for a Specialized Solution
As we were in the midst of constructing the current version of The AOR Program, regulatory challenges arose specifically with anti-gun states. Without any discussion or notice, the state of CT issued a cease-and-desist order, which we addressed by stopping new business in the state and offering free coverage to existing CT clients. AOR seized the opportunity to build trust with our clients in CT and to showcase our commitment to transparency and compliance. Our approach aimed to demonstrate our integrity and willingness to work within legal and regulatory frameworks as we created The AFF-RRG.
As more states consider additional anti-gun laws, there is a growing concern that lawmakers could eventually require mandatory liability insurance for gun owners. These laws may force gun owners to take firearms training and education courses and maintain firearm-related liability coverage in order to possess or carry firearms. As we learned, traditional insurance companies do not offer coverage compatible with all aspects of The AOR Program.
For example, traditional insurance policies often include exclusions relevant to self-defense cases. We were unwilling to include exclusions such as criminal acts, illegal weapons, sensitive areas, prohibited possessor, alcohol and drugs, or domestic violence as part of The AOR Program. We soon concluded that associating with a traditional insurance company would not fulfill our needs for our clients.
We Created Our Own Solution
To no avail, we searched far and wide for a traditional insurance company that could provide comprehensive coverage to our clients without compromising what made The AOR Program special and unique. Each traditional insurance policy we reviewed came with important limitations, exclusions, and red tape that could leave our clients unprotected at the very moment they needed us most. We were also insistent that all information about all clients remain at the law firm subject to attorney-client privilege. Because we could not find the right insurance product, we created our own.
The Attorneys For Freedom Law Firm created The Attorneys For Freedom Risk Retention Group, Inc. (“AFF-RRG”), a groundbreaking insurance solution that is different from anything you will find with traditional insurance providers. As a private insurance company formed under federal law, it offers a fresh approach to managing risk and liability, free from the standard regulations that apply to typical insurance companies. Designed specifically for affiliates of The Attorneys On Retainer Association, AFF-RRG removes the usual insurance limitations and exclusions, putting our affiliates’ needs first.
Why This Matters to You
In addition to all the unrelated benefits of becoming an affiliate of The Attorneys On Retainer Association, by creating The AFF-RRG, we have ensured that all Attorneys On Retainer Association affiliates automatically receive the best legal coverage and benefits with none of the limitations or exclusions often found with traditional insurance. Some of these include:
- Online Self-Defense Education and Training
- Legal Advocacy and Pro Bono Representation to Vindicate 2A and Pro-Freedom Interests
- Robust Affiliate Program for All Individual and Business Entity Affiliates
- Comprehensive Criminal and Civil Legal Representation
- Civil Liability Coverage
- Red Flag and Emergency Order Coverage
- Expungement and Record Sealing Coverage
- And much more!
Conclusion
The Attorneys For Freedom Law Firm created both The Attorneys On Retainer Association and The Attorneys For Freedom Risk Retention Group, Inc. because we believe that all affiliates deserve an organization to provide training, education, and comprehensive benefits they can rely on. The AFF-RRG Policy offers a better and unique way to be protected, one that does not involve exclusions, third-party decisions, or limits on your rights. As an Attorneys On Retainer Association affiliate, you are no longer just getting first-rate self-defense legal representation from a well-respected and long-established law firm, you are also getting a full array of robust training, education, and benefits!
To learn about what makes the AFF-RRG unique, visit:
For more information on the difference between a Risk Retention Group and an Insurance company, visit:
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