What Is an RRG and How Does It Work?
RRG stands for Risk Retention Group. It's a type of liability insurance company created by members of a similar industry — like trucking. That means RRGs are designed by truckers, for truckers.
Instead of going through a large national carrier, RRGs pool together similar businesses to cover one another's liability risks. They're federally regulated, and as long as they're registered in one state, they can operate across state lines.
Benefits of Choosing an RRG for Truck Insurance
Here’s why more truckers are choosing RRGs as part of their insurance strategy:
✅ Lower Down Payments — You could save thousands compared to A-rated carriers.
✅ Monthly Premiums You Can Afford — Flexible payment plans for small fleets and owner-operators.
✅ Faster Approval Process — Many RRGs will write policies for new DOTs, high-risk drivers, or businesses with prior claims.
✅ DOT-Compliant Liability Coverage — Stay on the road legally and meet FMCSA requirements.
✅ Built by Industry Insiders — RRGs understand trucking because they were built around it.
Are There Any Downsides?
Yes, and we believe in transparency.
⚠️ Limited Coverage Options — Most RRGs only offer primary liability. If you need cargo, physical damage, or trailer interchange, you'll likely need a second policy.
⚠️ Not Always Accepted by All Brokers — Some premium freight contracts may prefer A-rated insurance providers. That's where Westins helps you weigh the trade-offs.
Why Use Our Comparative Quoting System?
At Westins Insurance Brokerage, we don’t just offer one-size-fits-all quotes. We work with both A-rated carriers and trusted RRGs to give you a full range of options.
Our system lets you compare:
Down payments
Monthly premiums
Coverage limits
Approval speed
...so you can choose what works best for your budget and business.
Bottom Line: RRGs Are a Smart Option — When Used the Right Way
An RRG might not be perfect for everyone, but for many truckers it offers the chance to get on the road faster, cheaper, and fully compliant.
Let us help you compare your options.
Ready to Roll?
Get your free comparative quote today and see if an RRG is the right fit for you.
📞 Call us at (714) 465-4433
🌐 Visit: www.westinsinsurances.com
Westins Insurance Brokerage — Your Partner in Smarter Truck Insurance.
