This article presents the analysis of selected proposals for change in the financing of the random events' effects in the Rural Enterprise Group, by deviation from the traditional form of the insurance contract with the insurance company. Defined expectations of the analyzed entity related to economy in the financing of the random events' effects, and change of financing of the random events' effects by increasing the scope of protection. By defying the expectations, the solution to initiate a captive-type business (risk retention) or create a reciprocity membership union under the already existing reciprocal insurance (risk transfer), was proposed. The conducted analysis revealed that the creation of captive is limited by the level of costs necessary to bear in establishing and running such an entity, and the scope of necessary insurance. It appears that the specificity of activity and focus on the agricultural risks forces need to combine with the entities, which have experience in financing and eliminating these types of events. The optimal solution is to launch a reciprocity membership union.