If you’ve taken a concealed carry permit (CCW) course, you understand that there might come a time when you have to use lethal force to defend yourself or the area around you. In such a situation—whether you fired your handgun or not—you might have to deal with time-consuming and expensive legal battles. This is where concealed carry insurance steps in.
Firearm liability insurance or concealed carry insurance is defined as coverage that protects you from trials and other legal consequences. If you use your gun for self-defense. It’s like an extra layer of financial and legal protection.
WHY DO YOU NEED CONCEALED CARRY INSURANCE?
Why do you take out insurance coverage for your vehicles, life, houses, and other valuables? For peace of mind in case of the unthinkable. The same reasoning applies to firearms. Yes, there’s hope that as a gun owner you may never have to use your firearm—but we don’t live in an ideal world. Sometimes the best way to stop a dangerous individual is with a licensed carry.
Although concealed carry insurance is not specifically mandated, it’s always advisable to be prudent and mitigate risks at all costs. And since gun owners with a concealed carry permit are at an increased risk of having to use their firearms—the importance of concealed carry insurance cannot be understated.
WHAT IS TYPICALLY COVERED IN CONCEALED CARRY INSURANCE?
According to the Second Amendment, Americans have a right to keep/bear arms under the right stipulations. " A well regulated Militia, being necessary to the security of a free State, the right of the people to keep and bear Arms, shall not be infringed ." Owning a gun is meant to keep you safe and protected. But it also comes with risks due to unforeseen incidents or injuries that might leave you liable to legal issues. It’s a textbook case of: “With great power comes great responsibility.”
Even if unholstering your gun was justified, you may not be exempt from legal costs. Proving that your actions were necessary and within the law can be an expensive undertaking. Some of the implications of using your concealed carry in a public setting include:
- Potential incarceration
- Loss of income from an inability to work—especially following incarceration.
- Expensive bail bonds to keep you out of jail until the case is resolved.
- Temporary confiscation of your firearm as the case unfolds.
- Court appearances.
- Risk of civil litigation and judgments that are not in your favor.
- Retaining expensive legal services.
Concealed carry insurance policies often cover legal fees that result from the use of deadly force, negligent discharge, or self-defense. ( Ps : Keep in mind that some insurance options also cover other weapons).
WHAT ARE SOME CONCEALED CARRY INSURANCE OPTIONS?
If you have a concealed carry permit and you wish to take out an insurance cover, we have listed the six main options for insurance:
CCW safe is more-or-less a legal defense plan that avails an attorney and covers certain legal expenses—including documentation, dispositions, expert witnesses, investigators, and other court-related fees. Members can choose either the Defender ($179/yr.), Protector ($149/yr.), or Ultimate ($499/yr.) plan depending on their needs. It’s worth noting that CCW Safe claims to offer the highest bond coverage of any other competitor.
The United States Concealed Carry Association (USCCA) offers one of the most comprehensive plans—covering all legal firearms in 50 states. Membership gives you access to legal protection, training, and access to their Concealed Carry Magazine. You can become a member by purchasing the Gold ($247/yr.), Platinum ($347/yr.), or Elite ($497/yr.) plans.
The Armed Citizen Legal Defense Network (ACLDN) does exactly what its name stipulates. They function as a pre-paid legal service rather than insurance. They offer 1-year membership ($135), 3-year memberships ($295), and 10-year memberships ($790)—each renewable for $95, $255, and $750, respectively.
U.S. LAW SHIELD
The self-defense membership program offers coverage at a cost of $10.95/month. Interestingly, they don’t have tiers or limits for their coverage. Membership comes with access to online resources, offers at affiliate retailers, law updates, and state-specific educational information.
SECOND CALL DEFENSE
Second call defense takes credit for being the first membership group to offer support and protection to members in complicated situations following a firearm discharge. Their plans include Entry Level ($119/yr.), Full Coverage ($179/yr.), and Cadillac Protection ($400/yr.).
FIREARMS LEGAL PROTECTION
The Firearms Legal Protection provides concealed carry legal defense for members in all 50 states. Their options include Individual Basic ($179/yr.), Individual Premium ($299/yr.), and Family Premium ($479/yr.)
Please note that the stipulation of the different insurance options varies—with regard to states covered, the scope of coverage, and limits on covered costs. Therefore, make sure you carefully analyze the options available to ensure they align with your needs. Consider contacting each of the providers for more information.
So, are you going to take our concealed carry insurance? Let us know your thoughts on the matter.