The guide to CCW insurance — often known as concealed carry gun liability coverage or legal defense plan protection — is an organization that in return for a monthly fee will guarantee access to, or reimburse the cost of, civil and criminal attorney representation for those who lawfully defend themselves with a firearm or other legal weapon. Many reputable CCW insurance providers will also offer optional extended coverages like identity theft protection, hunter/angler legal assistance, bail bond and expert witness fee protection, multi-state and spouse/family member coverage.
The decision to purchase a legal defense plan or CCW insurance is an individual choice that depends on your level of risk-tolerance. Just as with homeowners’ insurance, it’s important to review and compare each option in order to decide whether or not the premiums and coverage limits are worth the risk of ever needing to use your firearm for self-defense.
When deciding on the best CCW insurance to meet your needs, consider:
Whether or not you choose to purchase a legal protection plan, it’s important to train with your gun and familiarize yourself with local laws regarding concealed carry. In addition, you should review your state’s laws on how to report an accidental or unintentional discharge of a weapon. Failure to do so could result in a lawsuit against you. We’ve seen this happen to good gun people before, and the financial cost can be significant. That’s why we recommend choosing a company that offers CCW safe, which meets all three of our “must-haves” – you get money upfront, you can select your own attorney, and they will pay you per day during your trial.
