Over 21.5 million Americans have a license/permit to carry concealed weapons. * With the U.S. Supreme Court’s 2022 decision in NYSRPA v. Bruen we can expect this number to grow significantly. This landmark case ruled that the Second Amendment guaranteed citizens the right to carry arms outside of their homes. Seven (7) major businesses now provide insurance coverage and legal service to CCW holders. Below is a list of these providers. Comparison shop at least 3 different options before committing to a policy/membership. We also recommend that you read the 3400-word GunDigest Article which examines in detail the coverage offered by the following seven companies: U.S. Law Shield U.S. Concealed Carry Assoc. Concealed Carry Assoc.Any CCW insurance plan will cover attorneys’ fees. The costs of hiring a lawyer to represent you in a criminal case or civil case can quickly add up. Good lawyers can charge between $400 and $500 per hour. A trial can last for several days. GunDigest says: “If you go to trial, your bill could be six figures.” Check to see if the policy covers attorney retainer, hourly rates, expert fees AND potential damages. Bail Bond Coverage
If you’re involved in an accident and are arrested, you don’t want to spend time in jail. It’s important to get a CCW plan that can quickly fund bail bonds. GunDigest points out that “bail-bond insurance is usually part of a good concealed carry policy”. Multi-State Insurance
State insurance laws and gun laws also vary. This will affect the coverage that an insurance program is able to provide. Ask questions when choosing a policy to determine if coverage varies from state to state. Some programs allow you to purchase additional coverage when traveling outside of your home state. These can be limited in time to save money. Policy Limits (Dollars)
You should consider the policy limits when evaluating a CCW program. These are the maximum amounts that the program will pay for legal assistance or to settle a claim. Just as with a home or auto policy, you need to read all the fine print. GunDigest’s detailed article on CCW Insurance Coverage notes that there are additional factors to take into consideration when choosing CCW Insurance. Some of these are covered by the policies, but others cost extra. CCW policies often cover more than just legal costs.
Negligent Discharge
Spouse and Family Self-Defense
Property Damage Firearms Replacement
Work Loss Coverage
Personal Use of Firearm (non defensive) * According to a new estimate by the Crime Prevention Research Center, over 21.5 millions Americans now have a license to carry a gun in the United States. The numbers are increasing — the NRA/ILA reported that the number concealed handgun permits in 2019 reached 18.66 millions – a 304% rise since 2007.
