RRG membership
When you insure with RyskLOK, you own a piece of it
RyskLOK Casualty Insurance Company is a risk retention group formed under the federal Liability Risk Retention Act of 1986. Its policyholders are its members and owners.
The model
What is a risk retention group?
A risk retention group is a liability insurance company owned by its insureds. Every member shares a similar type of liability risk, which lets the group focus its underwriting, pricing and claims handling on that risk.
- Owned by the businesses it insures
- Focused on one type of liability risk: for RyskLOK, trucking and commercial auto
- Chartered in one jurisdiction, then registered where it operates
- Writes liability insurance only
Why members choose the RRG model
Traditional insurers spread risk across many industries. A risk retention group gathers businesses with similar exposures, so the people setting coverage and handling claims understand the risk, and the members who own the group share in how it is run.
Why RyskLOKHow membership works
From quote to member-owner
- 1
Request a quote
Tell us about your operation. We review whether it fits the group’s risk profile.
- 2
Accept your proposal
When you bind coverage, you also become a member of the risk retention group.
- 3
Own a share of the group
Members are the owners of an RRG. Membership terms are set out in your policy and membership documents.
- 4
Renew together
Each renewal keeps your membership active and your coverage aligned with your operation.
Know before you buy
Important information
RyskLOK Casualty Insurance Company, LLC, A Risk Retention Group, is a risk retention group organized under the federal Liability Risk Retention Act of 1986 and registered in American Samoa (Certificate No. LLC 2026-11-175).
Your policy may not be subject to all of the insurance laws and regulations of your state. State insurance insolvency guaranty funds are not available for your risk retention group.
A federal law passed in 1986 that allows businesses with similar liability risks to form their own insurance company, called a risk retention group. An RRG is chartered and primarily regulated in one jurisdiction and can then register to operate in other states.
Yes. By law, the insureds of a risk retention group are its members and owners. Your membership details are explained in your policy and membership documents.
Liability insurance only. That is why RyskLOK writes liability coverage and helps you find complementary cargo and physical damage coverage separately.
No. State insurance insolvency guaranty funds are not available for risk retention groups, and your policy may not be subject to all of your state’s insurance laws. Federal law requires this notice on RRG policies.
Ready to lock in your coverage?
Tell us about your operation and our team will follow up with the options that fit.