Updated 07/14/2022. Eight major concealed carry programs are now available to millions Americans. The United States Concealed Carry Association and Armed Citizens Legal Defense Network recognize that a villain can be stopped with lethal force, but it is not the end of the story. Each person approaches the challenge differently because there are problems and solutions in this game. We were all told by more than one person that this is the moment your life changes forever. This is the reality. This is the reality. You need to carefully consider each option and determine if it covers the minimum amount you need after a shooting. Civil and criminal defense are expensive and can lead to a six figure bill if your case goes to trial. It is a good idea for you to check if your policy covers retainer and criminal defense as well as damages. This can be very distressing and potentially dangerous. You must earn a living. Consult with your attorney to get your affairs in order. You need to make a living, consult with an attorney, and understand the details of each policy. Expert Resources: It is important to know the law and your rights before you travel. Access to solid and well-researched resources on these topics and concealed carry training prove invaluable and make you a more proficient armed citizen.Other Areas Of Concealed Carry CoverageIn many cases, CCW policies go well beyond legal expenses and cover some other aspects you might not have considered, but you’ll possibly be on the hook for:Crime Scene Clean UpNegligent DischargeSpouse And Family Self-DefenseProperty DamageFirearms ReplacementWork Loss CoveragePersonal Use Of Firearm (non-defensive)You’ll find there are other areas covered by some concealed carry insurance plans worth contemplating. While many of these are covered by the policies, some may be extra. They will make a plan more costly, but they are encouraging, considering how quickly expenses can mount up if you’re in self-defense. The policy caps will only cover a certain amount of money, and then you’ll be responsible for the rest. This applies to any add-ons that you may choose for your plan. Your budget will dictate how much you can afford for concealed carry insurance, but you need to ensure you don’t overspend on coverage. Although a $250,000 policy for attorney’s fees may sound like a solid plan, it could be a significant cost-saving measure. The United States Concealed Carry Association Pros is one of the largest and most well-respected concealed carry-focused organizations in the country. With 660,000 members, it brings a lot of weight to the table. The company’s “Three Pillars”, which it calls mental, physical, and legal preparedness, are its main focus. The company also offers firearms and concealed carrying training and resources as part of membership. However, USCCA’s geographical reach is a major drawback. Although membership is available in most states it is not available in New York, New Jersey, or Washington. Although not a con, the Platinum or Elite plans are more expensive than the entry-level Gold plan, despite not offering extra-legal services. The Gold plan already gives full access to USCCA’s self-defense liability insurance and all its benefits. The USCCA’s CCW knowledge resource is only available to the more expensive plans. If those options interest you, there’s nothing wrong with them, but be aware that if all you want is CCW insurance the Gold plan is all you need.MembershipGold Plan: $29 monthly/$299 annual; Platinum $39 monthly/$399 annual; Elite $49 monthly/$499 annualLegal ResourcesSelf-defense liability insurance for defense expenses with no limits for covered self-defense incidents$100,000 bail expense$2,000,000 annual aggregate liability limit$10,000 for any combination of “incidental expenses”Up to $750 per day loss of earning coverageYou choose your criminal defense attorney24/7/365 access to Critical Response TeamOther ResourcesAccess to USCCA’s CCW-related knowledge resources.Concealed Carry Magazine subscriptionArmed Citizens’ Legal Defense Network (ACLDN)ProsThere are some weighty names from legal, self-defense and firearms areas at your disposal with the organization. If you go to trial, you will have a lot of firepower. You can get $25,000 bail and $25,000 for an attorney with Armed Citizens Legal Defense Network for both criminal or civil cases. The network can provide more financial support for criminal, civil and appeals cases. It’s also an affordable organization to join, $135 the first year, and $95 each year thereafter. It doesn’t provide coverage for civil damages, compensation, or firearm loss protection. Additional monetary support beyond the initial $25,000 must be reviewed by a review board before it can be awarded. And there’s no tiering to the program – it’s one-size-fits-all.Membership$135 Initial 1-year Membership; $95 1-year RenewalLegal ResourcesUp to $25,000 paid to the member’s attorney by the Network if the member has been involved in a self-defense incidentFurther grants may be availableUp to $25,000 to post bail on behalf of a member who has used force in self-defenseAccess to Network’s affiliate lawyersCase review by network expertsAccess to Network’s expert witnessesOther ResourcesEight-DVD set of lectures explaining the use of deadly force for self-defense, the legal aftermath of using a gun in self-defense, and how attorneys prepare the court case defending one who used deadly force in self-defense.Monthly journalU.S. Law ShieldProsThe best thing about U.S. Law Shield (originally called Texas Law Shield) is the value you get for your money. There is no cap on legal fees coverage, for both civil and criminal proceedings. This is a remarkable benefit, considering how quickly these expenses can add up. This coverage is very affordable at $10.95 per month and $19.95 setup fee. The program, which is based in Texas, has 700,000. It’s growing rapidly. The plan is currently available in all 50 states, except Washington, New Jersey, New York, and Washington DC. This could be a problem for many and is a good thing. This will most likely be the most important lawyer that you ever hire, and you won’t have much control over who it is. Another issue is that many of the coverage areas included in other policies are either add-ons or unavailable. A good example, nationwide coverage costs another $2.95 a month, which may or may not make a difference to you.MembershipIndividual $10.95 monthly/$131.40 annual; Two Adults $21.90 monthly/$240 annualLegal ResourcesNo cap on attorney fees criminal and civil24/7/365 access to Attorney-Answered Emergency HotlineNon-emergency access to independent program attorneysOption to purchase Bail Bond and Expert Witness add-on coverageOther ResourcesState-specific educational videos, law updates, and online resourcesProsNo cap for criminal and civil legal defense, both covered up front, is the most eye-catching aspect of the CCW Safe plan. You can also get bail bond protection up to $100,000. These are the mainstays of any concealed carry insurance program, and this one is no exception. The plan also offers up to $1,000,000 of civil damage protection through its basic permit holder plan. CCW Safe offers many options, including policies for home defense, constitutional carry states, and active and retired law enforcement. The coverage is not the same for every plan. However, there are some caveats. CCW Safe must approve your attorney before you can choose them. This may or may not be a problem depending on how you view it. The constitutional carry plan works only in your state. Once you cross the state line, you are naked. CCW Safe does not cover the use of force against family members or anyone living in your home without your consent. CCW Safe is also not available in New York, New Jersey or the state of Washington (except some NY LEOs).Protector Plan$179 annualEligibilityRetired/Active Military and Law Enforcement with a concealed carry permitLegal ResourcesAccess to our 24-hour emergency hotlineCritical Response Team on site$500,000 bail coverageVetting of Attorneys by National Trial CounselUnlimited Attorney fees covered upfrontUnlimited Investigators covered upfrontUnlimited Expert Witnesses covered upfrontAll trial fees covered upfrontFirearm Replacement during trialSpouse and children under 18 covered in home onlyUp to $5,000 in red flag law defenseUp to $250 a day of work loss while in criminal or civil trialUp to 10 sessions (up to $1,500) for a licensed counselorUp to $3,000 for crime scene clean-up homeAppeals and expungements coveredAdd OnsSpouse $100$1 million bail coverage $50$1 million dedicated civil liability $220Defender Plan$209 annualEligibilityValid Carry PermitLegal ResourcesAccess to our 24-hour emergency hotline$500,000 of bail coverageCritical Response Team on siteVetting of Attorneys by National Trial CounselUnlimited Attorney fees covered upfrontUnlimited Investigators covered upfrontUnlimited Expert Witnesses covered upfrontAll Trial Costs covered upfrontFirearm Replacement during trialUp to $5,000 in red flag law defenseUp to $250 a day work loss while in criminal or civil trialUp to 10 sessions (up to $1,500) for a licensed counselorUp to $3,000 for crime scene clean-up homeAppeals and expungement coveredAdd OnsSpouse $100$1 million bail coverage $50$1 million dedicated civil liability $220Constitutional Carry$299 annualEligibilityConstitutional Carry StatesLegal ResourcesAccess to our 24-hour emergency hotline$250,000 bail coverageAttorney feesInvestigators feesExpertsAppeals and Firearm Replacement during trialUp to $250 a day work loss while in criminal or civil trialUp to $5,000 in red flag law defenseUp to 10 sessions (up to $1,500) for a licensed counselorUp to $3,000 for crime scene clean-up homeAdd OnsSpouse $100$1 million bail coverage $50$1 million dedicated civil liability $220Home Defense$299 annualEligibilityIn-Home Coverage For You And FamilyLegal ResourcesAccess to our 24-hour emergency hotlineUp to $250,000 in bail coverageUnlimited Attorney fees covered upfrontUnlimited Investigators covered upfrontUnlimited Expert Witnesses covered upfrontUp to $5,000 in red flag defenseAppeals and Firearm Replacement during trialUp to $250 a day work loss while in criminal or civil trialUp to 10 sessions (up to $4k) for a licensed counselorUp to $3k for crime scene clean-up homeAdd OnsSpouse $100$1 million bail coverage $50$1 million dedicated civil liability $220HR218$399 annualEligibilityActive, retired, and former law enforcement officers that meet the requirements for the Law Enforcement Officers Safety Act (LEOSA)Legal ResourcesCoverage for Criminal, Civil and Administrative ActionsAccess to our 24-hour emergency hotlineCritical Response Team on site$1 Million bail coverageVetting of Attorneys by National Trial CounselUnlimited Attorney fees covered up frontUnlimited Investigators covered upfrontUnlimited Expert Witnesses covered upfrontAll trial fees covered up frontFirearm Replacement during trialUp to $5,000 red flag defenseSpouse and children under 18 covered in home onlyUp to $250 a day work loss while in criminal or civil trialUp to 10 sessions (up to $4k) for a licensed counselorUp to $3k for crime scene clean-up homeAppeals and expungements coveredDedicated $1MM Civil Liability coverageSecond Call DefenseProsOf all the options, Second Call Defense perhaps offers the widest spectrum of tiering. Their entry-level plan costs $9.95 per month. The Cadillac plan costs $34.95 per month. The top-tier plan offers $100,000 coverage for criminal defense attorney fees, and $1,000,000 for civil. You can also get up to $250,000 civil damage protection with the top-end plan. You can also choose your attorney. Is it worth $10 per month? You’ll have to decide that for yourself.Basic$9.95 monthly; $119 annualInsurance ProtectionCriminal Defense Protection – Up to $100,000Civil Defense Protection (accidental shooting) – Up to $10,000Financial SupportImmediate Cash for Bond – $10,000Immediate Attorney Retainer – $2,000Rapid Response Team24/7 Emergency Legal HotlinePersonal Crisis ManagerNationwide Attorney Network AccessLocal Attorney Referral within 24 hoursEmergency Contact NotificationTraining & EducationMember NewsletterSelf Defense NewsAdd OnsSpouse $48 annualDefender$14.95 monthly; $179 annualInsurance ProtectionCivil Suit Defense Protection – up to $500,000Civil Suit Damages Protection – up to $50,000Criminal Defense Protection – up to $100,000Accidental Shooting Protection – up to $50,000Financial SupportImmediate Cash for Bond – $50,000Immediate Attorney Retainer – $5,000Aftermath Cleanup – $1,000Compensation While in Court – $250/dayRapid Response Team24/7 Emergency Legal HotlinePersonal Crisis ManagerNationwide Attorney Network AccessLocal Attorney Referral within 24 hoursEmergency Contact NotificationExpert Witness CoordinationGun Retrieval or ReplacementPsychological Support7 – 20 sessionsOn-Site AssistanceTraining & EducationMember NewsletterSelf Defense NewsOnline TrainingAdd OnsSpouse $60Ultimate$34.95 monthly; $399 annualInsurance ProtectionCivil Suit Defense Protection – up to $1,000,000Civil Suit Damages Protection – up to $250,000Criminal Defense Protection – up to $100,000Accidental Shooting Protection – up to $250,000Financial SupportImmediate Cash for Bond – $250,000Immediate Attorney Retainer – $10,000Aftermath Cleanup – $2,000Compensation While in Court – $500/dayRapid Response Team24/7 Emergency Legal HotlinePersonal Crisis ManagerNationwide Attorney Network AccessLocal Attorney Referral within 24 hoursEmergency Contact NotificationExpert Witness CoordinationGun Retrieval or ReplacementPsychological Support – 40 sessionsOn-Site AssistanceTraining & EducationMember NewsletterSelf Defense NewsOnline TrainingAdd OnsSpouse $80 annualFirearms Legal ProtectionProsA bit overshadowed by some of the larger players, Firearms Legal Protection nonetheless offers impressive coverage. FLP is a tiered program that allows citizens with armed weapons to choose the plan that suits their needs and budget. They offer a great deal for those who are just starting out: no-cost attorney fees for civil or criminal defense. The more expensive plans provide some of the coverage that many are looking for, including firearm loss protection, court compensation, and the choice of your lawyer. A unique and timely twist is that all FLP plans include coverage against Extreme Risk Protection Orders, also known as “Red Flag” laws, allegations. ConsThe entry-level program only applies to self-defense events in your state. However, you will need to pay more for nationwide coverage. Also, it’s presently only available in 30 states, so Firearms Legal Protection is somewhat limited geographically.Basic Individual$16.95 monthly; $199 annualEligibilityCoverage for one person in their home state.Legal ResourcesUncapped attorney fees for defense for criminal and civil cases24/7 emergency hotlineExtreme Risk Protection Order CoveragePremium Individual$27.95 monthly; $329 annualEligibilityMulti-State CoverageLegal ResourcesUncapped attorney fees for defense for criminal and civil cases24/7 emergency hotlineExtreme Risk Protection Order CoverageBail bond protection up to $250,000Expert witness/investigator feesLost wages reimbursementFirearm confiscation paymentIncident scene clean-up feeMy FLP mobile appPremium Family$44.95 monthly; $539 annualEligibilityMulti-state comprehensive coverage for member, spouse and minor childrenLegal ResourcesUncapped attorney fees for defense for criminal and civil cases24/7 emergency hotlineExtreme Risk Protection Order CoverageBail bond protection up to $250,000Expert witness/investigator feesMinor children coverageLost wages reimbursementFirearm confiscation paymentIncident scene clean-up feeMy FLP mobile appRight To BearProsA new player to the game–as in just last year (2021)–Right to Bear has leaped into the CCW insurance game with booth feet. The company is part of the JJE umbrella, which is also the parent of Palmetto State Armory. The company offers four levels of coverage, each multistate (except New York, California, and Washington), and provides a fairly comprehensive coverage with options to suit any budget. There are also a number of useful add-ons. The company offers four levels of coverage, each multi-state (except New York, California, and Washington). It also provides a fair selection of useful add-ons. Accidental Discharge coverage is an additional expense.Bronze$10.95 moth/$115 annuallyInsurance ProtectionCivil/Criminal defense liability coverage up to $50,000$25,000 per incident/$50,000 aggregate totalAdd-OnsSpousal Coverage $48Compensation in Court $35Bail Bond Reimbursement $75Accidental Discharge $75Silver$20.95 monthly/$235 annuallyInsurance Protection Civil/Criminal defense liability coverage up to $500,000$250,000 per incident, $500,000 aggregate totalAdd-OnsSpousal Coverage $60Compensation in Court $35Bail Bond Reimbursement $75Accidental Discharge $75Gold$33.95 monthly/ $385 annuallyInsurance ProtectionCivil/Criminal defense liability coverage up to $1,000,000$500,000 per incident, $1,000,000 aggregate totalAdd-OnsSpousal Coverage $80Compensation in Court $35Bail Bond Reimbursement $75Accidental Discharge $75Platinum$50.95 monthly/ $595 annuallyInsurance ProtectionCivil/Criminal defense liability coverage up to $2,000,000$1,000,000 per incident, $2,000,000 aggregate totalAdd-OnsSpousal Coverage $100Compensation in Court $35Bail Bond Reimbursement $75Accidental Discharge $75Included On All PoliciesMulti-State CoveragePsychological SupportExpert WitnessesLockton Affinity Outdoor Personal Firearm Liability InsuranceProsOffered by a subgroup of the Armmlife company, this option is officially called Lockton Affinity Outdoor’s Personal Firearm Liability Insurance, and this is a true individual coverage plan. This makes it stand out from the majority of companies that offer memberships that give access to insurance policies and prepaid legal defense. Lockton’s plans are designed to provide legal gun owners with coverage. There are four tiers that can be chosen depending on the level of coverage. No matter which plan you choose, they will all cover legal personal defense, accidental discharges, shooting accidents, and lost or stolen firearms. While many of the other options on this list include coverage as well as various hotlines and legal/training resources, all Lockton offers is insurance.Plan Limits With Annual Pricing$75 Annual: $250,000 Combined single limit/$50,000 Defense reimbursement sublimit$125 Annual: $500,000 Combined single limit/$100,000 Defense reimbursement sublimit$175 Annual: $1,000,000 Combined single limit/$150,000 Defense reimbursement sublimit$265 Annual: $1,500,000 Combined single limit/$250,000 Defense reimbursement sublimitConclusionThat, essentially, is what each of these self-defense insurance plans offers: an advocate rather than just a public defender who might, or might not, have a full grasp of self-defense, much less any sympathy for an armed citizen. Many people won’t be surprised to learn that not all attorneys are sympathetic to gun owners who fire in self defense. They can either rely on experts associated with concealed carry insurance membership programs or rely on a public Defender. 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