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5 Best Concealed Carry Insurance 2024: By An Insurance Agent

Overwhelmed about which concealed carry insurance provider to choose for your situation? We compare a couple of the most popular options.
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    When it comes to picking CCW insurance, the options can be a little overwhelming

    Just like any other type of insurance though, it’s always a good idea to check out the offerings of a few companies before deciding on which policy to go with.

    Luckily, we’ve gathered the best of the best to help you narrow down the choices and find out which insurance is right for you when you’re carrying a CCW (concealed carry weapon).

    Followed up by a quick description of what all the legalese means.

    THE QUICK LIST

    1. Editor’s Overall Pick

      USCCA Membership

    2. Best No Limit Plan

      CCW Safe

    3. Budget No Limit Plan

      US & TX Law Shield

    Table of Contents

    Loading…

    Why Trust Us and How We Choose

    This article was originally written by a licensed attorney, Paul Yen, who did his research on the most popular concealed carry insurances.

    I’m Eric Hung, the founder of Pew Pew Tactical. I’m a licensed insurance intermediary in 48 states (sorry, New Jersey and New York) and I’ve had the privilege of writing hundreds of firearm articles that millions of you read every month.

    I’ve given this article a fresh update to make it more accessible for fellow gun owners that aren’t well versed in legalese.

    Plus, I had to make these same decisions on cost, protection levels, and other benefits when coming up with my own needs to protect my family and myself.

    Best Concealed Carry Insurance

    Worth noting before we start that all of these options focus on the lowest tier of pricing.

    Many of these companies offer multiple plans, so if these don’t cover what you want, consider upgrading to a higher-level plan.

    Editor’s Overall Pick – USCCA

    Editor's Overall Pick
    $29
    at USCCA

    Prices accurate at time of writing

    Prices accurate at time of writing

    Available Coupons

    Pros

    • Lots of educational content
    • $2,000,000 liability insurance limit
    • No limit for defense expenses
    • Nice goodies when you sign up

    Cons

    • Most affordable plan is $29/month
    • Not available in NY, NJ, or WA

    Our team’s favorite option isn’t technically insurance…

    However, they are the biggest player whenever someone thinks about “concealed carry insurance.”

    USCCA Elite Membership
    USCCA Elite Membership

    But rather, it is a membership where you get tons of education and have personal liability insurance a part of your membership.

    USCCA Levels, 2023
    USCCA Levels, 2024

    A little confusing…but I go over it ALL in my USCCA review. And if it helps…I’ve been a member since 2017!

    USCCA Proving Ground, Cafe Hostage
    USCCA Online Proving Ground Course, Cafe Hostage

    I’ll go over what tier to get, a breakdown of all the courses you get, and how to get a free course from Pew Pew Tactical as well.

    They had a big update in June of 2024 which increased their bond expenses, added red flag coverage, and clarified plea deal coverage plus recoupment.

    Coverage Details

    • Liability Insurance Limit: $2,000,000 annual aggregate
    • Defense Expense: No Limit
    • Cost of Bail Expenses: $250,000 of funds. A $2,500,000 bond usually costs $250,000 or 10% of the total.
    • Incidental Expenses: $20,000
    • Red Flag Coverage: Up to $15,000 in attorney fees and expenses
    • Actual Loss of Earnings: Up to $750 per day, plus up to $10,000 for actual loss of earnings within 30 days of incident

    Will USCCA Drop You If You’re Convicted of a Crime?

    There was a lot of fear that USCCA would drop you quickly if you’re convicted of a crime. So now they added that if you take a plea deal that doesn’t involve a “crime of violence” you’re ok.

    Examples include: murder, aggravated assault, kidnapping, arson, robbery, extortion, unlawful possession of a firearm.

    Impartial Coverage Determination

    Before, it was all up to the insurance company to see if what you did was or wasn’t self-defense.

    Now the insurance company is required to grant you coverage if the judge allows the argument to be made in court and your attorney believes there’s a good faith self-defense claim.

    Plus coverage will continue until there’s a final non-appealable finding of guilt.

    USCCA In-Person Training

    USCCA has tons of instructors all over with their most popular course being the Concealed Carry and Home Defense Fundamentals.

    I recently had the chance to take their AR-15 Fundamentals class which was phenomenal and geared towards beginners, however the Pew Pew Tactical team still learned a bunch!

    Pew Pew Tactical with USCCA Instructor Steve
    Pew Pew Tactical with USCCA Instructor Steve

    Plus…new signups with our link get a free access code to our video Beginner Handgun course.

    Get the rest of the details here.

    What’s your take on the USCCA?

    Readers’ Ratings

    4.94/5 (2095)

    Your Rating?

    Most Affordable – Right to Bear

    Most Affordable
    $11
    at Right to Bear Insurance

    Prices accurate at time of writing

    Prices accurate at time of writing

    Available Coupons

    Pros

    • Most affordable per month
    • Unlimited civil/criminal defense
    • No claw back even if you're found guilty

    Cons

    • Additional services are a la carte

    If you like options and some flexibility, Right to Bear presents a decent option for those looking to be insured.

    Offering a single budget-friendly tier at only $15 a month or $165 a year, Right to Bear makes a CCW self-protection plan achievable.

    And…use code PEWPEW15 to knock it down to $140.

    Right to Bear Pricing 2024
    Right to Bear Pricing 2024

    They’ve also upgraded their plan to be unlimited for both civil and criminal court. And if you’re found guilty in criminal court…they won’t claw back the amount.

    Plus they’ve got some other great features like online training, psychological support, expert witness coverage, and industry discounts.

    9mm Micro Compacts
    9mm Micro Compacts

    And something that I just found out and isn’t on their Features list (but is on their Education tab)…is that they’ll replace your gun if it is taken after a self-defense incident.

    However, if you’re looking for other add-ons such as spousal insurance, bail-bond coverage, minor coverage, or multi-stage coverage they are add-ons.

    Coverage Details:

    • $15/month or $165 a year
    • Additional Associate Coverage: $145/Year
    • Multi-State Coverage: $35/Year
    • Bail Bond Coverage: (Up to $100,000): $35/Year
    • Minor Household Children: $35/Year

    See our full review of Right To Bear here and don’t forget PEWPEW15 for 15% off.

    Best No Limit Plan – CCW Safe

    Best No Limit Plan
    $19
    at CCW Safe

    Prices accurate at time of writing

    Prices accurate at time of writing

    Available Coupons

    Pros

    • No limits for civil/criminal defense
    • Three different plans for your needs
    • No claw back if you're found guilty or make a plea deal

    Cons

    • Requires a permit or constitutional carry location

    CCW Safe is a well-established and time-tested CCW coverage plan.  

    One of the biggest draws for CCW Safe is that there is no limit on the amount of criminal or civil defense you are covered for.  

    Now, that doesn’t mean you shouldn’t worry when discharging your firearm since you should only ever use it at the range or in self-defense.  

    It’s just the policy of CCW Safe to provide as much coverage as you need, not as much as they’re willing to budget.

    They don’t require a reimbursement method of payment, so you won’t have to worry about paying for any of your civil or criminal defense costs at all.  

    CCW Safe also does not seek reimbursement of defense costs if you’re found guilty or have to plead to a lesser offense.

    They also now cover red flag incidents with $5k coverage for their lower Defender plan and $10k for their Ultimate plan. And if a red flag case is associated with a covered self-defense case you are covered 100%.

    While close to being the perfect plan, there is one downside to CCW Safe policies. But it’s not really if you read into it…

    They cover you if you have a permit or live in a constitutional carry state. Otherwise there is a home only plan for those who live in states where it is difficult to get a permit. AKA where it’s legal anyways.

    And if you’re in Washington state you’re out of luck.

    Coverage Details:

    So what does this awesome Defender plan cost you?

    • Annual cost: $209
    • Civil defense coverage limit: no limit
    • Criminal defense coverage limit: no limit
    • Bail amount: $1,000,000
    • Lost wages compensation: $250/day

    Yup…we have a full review of CCW Safe too!

    Budget No Limit Plan – US & TX Law Shield

    Budget No Limit Plan
    $10
    at US & TX Law Shield

    Prices accurate at time of writing

    Prices accurate at time of writing

    Available Coupons
    U.S. LawShield
    U.S. LawShield

    Pros

    • No limit civil/criminal
    • Payments made up front

    Cons

    • No bail coverage at basic level
    • No lost wages compensation at basic level

    Does size really matter? Your mom seems to think so. That’s right, a your mom joke.

    US & TX Law Shield offers a relatively competitive plan, at very competitive prices.  

    With that lower price comes some tradeoffs.

    You’d think a smaller company with lower prices wouldn’t be able to compete with the big boys at all. And you’d be wrong. Despite their size, US & TX Law Shield actually has no limit on their civil or criminal defense coverage.

    What’s more, the payments are made upfront, so you don’t need to worry about waiting for reimbursements on attorneys’ fees while you’re busy planning your legal defense.

    The lower cost has to be made up somewhere, right?

    EMP in Hidden Hybrid Holster, Appendix ,Single Clip
    EMP in Hidden Hybrid Holster

    With the cheaper offering from US & TX Law Shield, their basic plan offers NO lost wages compensation, and there are additional charges tacked on to the plan if you want to have bail coverage or have your policy effective throughout the entire US.  

    It’s essentially a way to tailor your plan to suit your needs. Though after adding back in all the coverage offered as part of a standard policy by the other companies, you might end up paying about the same anyway.

    Coverage Details:

    • Monthly cost: $10.95/mo
    • Civil defense coverage limit: no limit
    • Criminal defense coverage limit: no limit
    • Bail amount: no coverage at the basic level
    • Lost wages compensation: no coverage at the basic level

    Mid-Tier Plan – Second Call Defense

    Mid Tier Plan
    $10
    at Second Call Defense

    Prices accurate at time of writing

    Prices accurate at time of writing

    Available Coupons
    Second Call Defense
    Second Call Defense

    Pros

    • Upfront payments

    Cons

    • Coverage limits are on the lower end

    Second Call Defense sits right in the middle, offering decent coverage limits. They aren’t the best, but also not the worst.

    Like some of the better plans, Second Call Defense offers upfront payments of all your covered fees, such as attorneys’ fees. So, you don’t have to shell out the money yourself for bail or during the trial.  

    SIG Sauer P365X RomeoZero-1
    SIG Sauer P365X RomeoZero-1

    The coverage also ranks right up there with the big boys and covers the entire US in their standard plan.

    As a middle-tier offering, the criminal defense coverage is on the lower end, as is the bail amount. Of course, this is pretty much expected going in.

    Coverage Details:

    • Monthly cost: $9.95/mo
    • Civil defense coverage limit: $500,000
    • Accidental shooting protection: $10,000
    • Criminal defense coverage limit: $100,000
    • Bail amount: $25,000

    Why Do You Need Concealed Carry Insurance?

    Civil…criminal…what? These legal terms can be downright confusing. But here’s a quick overview of what they mean and why you want to be protected.

    Civil Defense

    Concealed carry insurance offers protection against liability claims resulting from using a firearm for self-defense in a civil claim. Some plans also protect against using any other legal object.

    It can cover things such as:

    • attorney fees
    • bail bonds
    • other costs

    Criminal Defense

    Even if the shoot was good, you’ll possibly still be charged with a crime.

    If you don’t want to go to jail you’ll probably want a criminal defense attorney specializing in firearm self-defense. Most of the plans allow you to select your own so you aren’t stuck with the lowest bidder.

    Lawyer's Pants
    Straight to Jail

    Good lawyers cost money, and you’ll also be dealing with other expensive things such as lost wages, bail bonds, and other incidentals.

    Bail Bonds

    Bail comes up several times and it’s basically an agreement to show up in court for a certain amount of money.

    Bail bondsmen typically charge 10% of the bond up front for their service and this is what most plans cover.

    Example: if you have a $1,000,000 bond the plan will cover the required $100,000.

    How to Choose the Best CCW Insurance For You

    This is where you get the favorite answer of lawyers everywhere…it depends.

    While it seems like a cop-out, it really does depend on what you want, and what you think you’ll need.  

    Sunny in Philadelphia Lawyering

    Even the staff here at Pew Pew Tactical have gone with different providers to suit our individual needs, ranging from USCCA to Right to Bear and CCW Safe. 

    The main thing is that you get some type of insurance, rather than none at all.

    Ultimately, just like choosing any other insurance policy, try to see which of these plans seem like they would fit you the best, and check them out in detail.

    We even have a couple of reviews on some of the providers, to help you make a more informed decision – if you haven’t read those, take a look at our USCCA and CCW Safe reviews.  

    USCCA Video Vault, Situational Awareness
    USCCA membership also gets you some nifty training videos.

    Even at around $20/mo for a typical CCW insurance policy, the money adds up, and could easily be spent on ammo instead, so it’s a good idea to be sure you know what you are getting for your money.  

    Everyone’s situation is different, and someone in a free state like Texas may want to consider a policy that provides more coverage than someone living in the heart of New York City.

    Texas flag on a rifle strap
    Texas Flag on a Rifle Strap

    It’s also important to note that not all the policies we compared are available in all states. There are varying insurance and firearms regulations across the 50 states, so it never hurts to pick a few options just in case your top choice isn’t available in your home state.  

    FAQs

    How much does concealed carry insurance cost?

    Concealed carry insurance is between $11 to $49 a month depending on provider and tier.

    Does concealed carry insurance cover lawsuits and attorney fees.

    Most will cover civil and criminal defense costs as well as bail, damages, and lost wages.

    What is concealed carry insurance?

    It's a type of coverage that provides legal protection if you use a firearm or other weapon in a defensive situation.

    Final Thoughts

    While everyone’s got their own views on insurance policies, at the very least, consider coverage limits and bail amounts when shopping around.

    At the end of the day, it all comes down to your situation and what works best for you. But, again, any insurance plan is better than none at all.

    Was there a CCW Insurance that we didn’t cover? What CCW insurance did you choose? Let us know in the comments! If you’re looking for a new CCW gun, take a look at the Best CCW Guns!

    CA #4272012

    LATEST UPDATES

    July 1, 2024  Added additional information to USCCA and CCW Safe.

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    140 Leave a Reply

    • Commenter Avatar
      Jim

      That's not very comforting.

      If you're a veteran, you and your spouse will get full CCW Safe coverage for $25 per month - that includes unlimited legal fees for a criminal and a civil trial. The only thing you won't get is, if you lose a civil case (a lawsuit), they won't pay the claim. It will cost about $40 mor per month for that coverage.

      July 3, 2024 5:48 pm
      • Commenter Avatar
        Jim

        I had written the following, in the above post:

        There was a lot of fear that USCCA would drop you quickly if you’re convicted of a crime. So now they added that if you take a plea deal that doesn’t involve a “crime of violence” you’re ok.

        That's not very comforting...

        The first paragraph didn't make it into the post, for some reason.

        July 3, 2024 5:52 pm
    • Commenter Avatar
      Paladin

      Attorneys for Freedom have a plan. Though, technically, not insurance.. it's like always having a lawyer on retainer. Was wondering if anyone has tried these guys.

      May 15, 2024 12:38 am
    • Commenter Avatar
      DST

      The U.S. LawShield rate just went up to over $400 per year

      April 16, 2024 10:05 am
      • Commenter Avatar
        Deborah Wood

        That depends on the coverage you choose. We pay just over 300 per year for the two of us for the lowest plan but with multi state coverage added. We may have a discount for being retired military though that I've forgotten.

        May 25, 2024 5:40 pm
    • Commenter Avatar
      T.W. Currie

      I see no mention of Armed Citizen's Defense Network.
      Established 2008.

      April 13, 2024 8:26 am
    • Commenter Avatar
      David Keevis

      Thanks for the review. Offering two comments for your next update.

      Notably, CCW Safe offers a substantial discount for active or retired military or law enforcement officers, honorably discharged military veterans, and other credentialed first responders including firefighters, EMTs and paramedics.

      And, as noted by T.N. below, in October, Right to Carry has increased their premiums and no longer falls in the "Most Affordable" category.

      December 7, 2023 6:19 pm
      • Commenter Avatar
        Jacki Billings

        Thanks for the heads up!

        December 22, 2023 7:54 am
    • Commenter Avatar
      Tim Moser

      I know it's not insurance but how do you feel about the Attorneys on Retainer group?

      December 3, 2023 7:48 am
    • Commenter Avatar
      T.N.

      Just an FYI, Right to Bear basic plan is $15 a month, not $11.

      October 5, 2023 4:11 pm
    • Commenter Avatar
      Will Pierce

      Google Kayla Giles

      September 29, 2023 8:21 pm
    • Commenter Avatar
      Jimw

      You mention claw bar in some reviews, but not USCCA. Does USCCA have a claw back stipulation if you're found guilty?

      September 13, 2023 12:01 pm
      • Commenter Avatar
        Eric

        Yes it does

        September 30, 2023 8:53 pm
        • Commenter Avatar
          Joseph Kane

          I just called USCCA which I have been a member since 2017 and they told me that they do not have claw back! which I believe in this sad day of woke people on our juries. this is something we really should have!

          November 19, 2023 6:35 am
          • Commenter Avatar
            Eric S.

            If you get charged after all the appeals you will have to pay them back, that's what the lady at uscca said to me. I was a member for a year

            November 19, 2023 2:10 pm
      • Commenter Avatar
        Glenn Smith

        No

        October 20, 2023 12:09 am
      • Commenter Avatar
        Glenn Smith

        I know some plans do not cover charges from negligent discharge, and some do. I'd like to know which ones do.

        October 20, 2023 12:12 am
        • Commenter Avatar
          Deborah Wood

          I just talked with US Law Shield today and their upper level plan has the accidental discharge coverage.

          May 25, 2024 5:31 pm
      • Commenter Avatar
        Gunner Pellum

        See for example: YouTube video
        "Did you know that USCCA dropped Alan Colie? Check out the full video analysis on our channel!"
        And others have been dropped too... even before going to trial.... or mid legal representation....

        November 5, 2023 10:05 pm
        • Commenter Avatar
          Ted

          Anyone reading this should know by now that that is false. Alan Colie was not dropped. He used his option to not use USCCA. He even wrote an email to the president of USCCA to settle the rumors. You can do a YouTube video search and find this out.

          June 12, 2024 4:23 pm
    • Commenter Avatar
      Bob Tabor

      Any info on Firearms Legal Protection?
      I bought a policy for their plan at a seminar I attended last year which is up for renewal now.
      Bob

      September 1, 2023 11:34 am
    • Commenter Avatar
      Jim

      USCCA may be the biggest because they constantly flood you with ads. At least they used to - I haven't seen their ads in a while. Whenever a company floods me with advertisements, I tend to think that there isn't much substance behind all the ads.

      I chose CCW Safe when I found out that Don West was their National Trial Counsel -- he was George Zimmerman's lawyer in the Trayvon Martin case. My thought is that if he was able to get George Zimmerman declared not guilty in that case, I want his team of lawyers to defend me should I ever be charged. In other words, I want the very best legal service if I am ever charged for using my handgun.

      June 10, 2023 7:59 pm
    • Commenter Avatar
      John

      The use of 'Concealed Carry Insurance' is incorrect. Its actually liability insurance that provides coverage if you conceal carry or not plus its not limited to just defensive gun use but rather will cover you no matter what you use in a legal defensive situations unless specifically limited in the coverage. So check the policy coverage to make sure, and that it covers nationwide.

      June 9, 2023 2:15 pm
    • Commenter Avatar
      John

      A little explanation about USCCA.

      Although the USCCA entity its self is not an insurance, a benefit of membership with USCCA is being covered under the Liability Insurance Policy (AKA 'Self Defense Insurance') Issued to the United States Concealed Carry Association (USCCA) by Universal Fire & Casualty Insurance Company.

      The policy covers you for any form of legal defense and it can be with hands, guns, knives, running them over with your car, anything you use for legal defense in a situation that requires it. Your family members can also be covered.

      June 9, 2023 2:07 pm
      • Commenter Avatar
        Gunner Pellum

        This is NOT fully accurate... it has been reported.... that USCCA has dropped a number of cases before a case ever goes to trial. Also if found guilty or if a case in pleaded you may have to repay all legal expenses back to USCCA.....

        November 5, 2023 10:11 pm
    • Commenter Avatar
      Mark Drudge

      What about Armed Citizens' Legal Defense Network? Is there a reason they did not make the list?

      May 8, 2023 9:55 pm
      • Commenter Avatar
        John

        Armed Citizens' Legal Defense Network is not an insurance nor does it offer insurance as a membership benefit by a policy issued to them.

        Armed Citizens' Legal Defense Network is a pre-paid legal service. Basically its keeping a lawyer on retainer to defend you and that's it. The cost expenditures in a complicated case may exceed what the board is willing to approve, I think their limit is $25,000.00 before board approval for more is needed.

        June 9, 2023 3:19 pm
    • Commenter Avatar
      Carl E Welte

      Unfortunately, most of these “policies” have more holes than a piece of Swiss cheese …all of which can easily result in a denial of coverage. They almost never cover unintentional discharges (the single most common gun-related incident that results in legal charges), they often don’t cover incidents related to family members or people you invite into your home, they may not cover you if you have imbibed any alcohol or are on prescription meds, they generally don’t cover you if you use a firearm in self-defense related to a vicious animal attack (again, a common scenario) and worst of all, they generally deny coverage if a self-defense shooting takes place where you were not legally supposed to carry a firearm (in some states these “gun free zones” change on what seems to be a daily basis). In at least one state that I am aware of, you cannot carry on ANY private property whatsoever without the express permission of the property owner, and many states ban concealed carry on any public transportation, public parks, etc.

      May 6, 2023 7:49 pm
      • Commenter Avatar
        Robert McQuin

        Carl, really great points. Do you have CCW “insurance” and, if so, which offering did you choose?

        Thanks.

        Robert

        August 2, 2023 10:05 am
    • Commenter Avatar
      Abe Maida

      uscca is scam shame for you having them on here

      April 27, 2023 12:33 pm
    • Commenter Avatar
      Dom

      US LawShield is not "the smallest." They started as the first prepaid legal company in 2009 and are still the largest at over 750,000 members -- as large as USCCA without the magazine and firearms instruction. They cover full scope of work, hands (physical assault), hunters, negligent discharges, appeals, any criminal charge where defense can be articulated, and have no caps.

      USCCA only covers you when compensatory damages are involved--so there is no criminal defense. If you are convicted of any criminal charge, your coverage ends--including if you take a plea. So no appeals (for criminal), and they recoup all the money from you if they paid out anything before you were convicted. They do not cover scope of work (no LEO, etc.). You only get one incident every 12 months, and it can ONLY be when force to stop an imminent threat of grave bodily injury or death is used (no assaults). You also agree to sue on their behalf, and anything you are owed in damages you must give to them. You are paying for a magazine subscription; it is basically useless unless it's a clear-cut in-home shooting where no charges are filed, and damages are available.

      Right to Bear (a wing of Palmetto State Armory) does not cover hands--only weapons. They are also not unlimited.. "THE TOTAL, AGGREGATE AND CUMULATIVE LIABILITY OF THE ASSOCIATION, IF ANY, FOR ALL CLAIMS UNDER THIS AGREEMENT OF ANY KIND WHATSOVER, WHETHER IN AN ACTION BASED IN CONTRACT, TORT (INCLUDING NEGLIGENCE OR STRICT LIABILITY) OR ANY OTHER LEGAL THEORY, SHALL NOT EXCEED AT ANY GIVEN TIME THE TOTAL AMOUNTS PAID TO THE ASSOCIATION BY ALL ASSOCIATES HEREUNDER IN THE IMMEDIATELY PRECEDING SIX MONTHS." They only cover (for all members) what they made in the last six months. They have the smallest member base of any company doing "this;" so if you are the next Rittenhouse, they will NOT have the funds to cover you fully. They also do not cover anyone who uses self-defense while working for/in a gun shop, range, or store selling any such devices and ammunition.

      Both USCCA and Right to Bear's model is the individual getting into an incident, then trying to find their own attorney who they must hope accepts the terms, and then coverage can begin. This is not the case with US LawShield; your named attorney will answer the phone and (if feasible) show up on the scene immediately to assist. There is no waiting time trying to search for one. They only place in the network each state's best criminal defense attorneys -- for $10.95, 14 years later, they still can't be beaten. Happy to cite any contracts/member agreements if clarity on these coverages is needed.

      April 2, 2023 6:18 am
    • Commenter Avatar
      John sullivan

      I like the highlighted best plans for insurance, but additionally we will need an excellent legal team. Do these companies (CCWSafe or USCCA) help find/recommend a legal team, or are you out on your own for that?

      March 20, 2023 1:58 pm
      • Commenter Avatar
        Jim

        CCW Safe will either provide you a lawyer or let you use a lawyer of your own choosing - the choice is entirely up to you. That's another thing I like about CCW Safe.

        June 10, 2023 8:05 pm
    • Commenter Avatar
      David

      Just FYI. New York has BANNED NRA insurance. To make it even more risky to own a firearm in NY.

      December 8, 2022 8:31 am
      • Commenter Avatar
        R

        NY TAC Defense

        October 15, 2023 10:20 pm
    • Commenter Avatar
      Wes

      I decided to go with CCW Safe Ultimate. I wanted something that would cover civil damages, since there always seems to be a civil suit following any incident, and CCW Safe has 1M coverage. The cost of the premium is high but I would rather pay now than regret it later. I didn't like that USCCA would not pay if you are found guilty, which would include a guilty plea to a lesser charge.

      September 13, 2022 7:54 am
      • Commenter Avatar
        Jim

        CCW Safe offers $2 million coverage for the member ($10 per month add-on) and $1.5 million for the spouse ($20 per month add-on) on civil liability (that's what they will pay up to if you are sued and lose).

        June 10, 2023 8:09 pm
    • Commenter Avatar
      Nino W. Yoingco

      I just learned about Bluecoat insurance. Coverage seems very good. Any knowledge of the company?

      August 15, 2022 6:47 pm
    • Commenter Avatar
      Stephanie

      I'm wondering why the Armed Citizens Legal Defense Network wasn't included here. I'm a huge fan, believe it's the best.

      June 14, 2022 8:47 pm
      • Commenter Avatar
        howard tong

        I am thinking of going with Armed Citizens legal - does anyone have any experience with them - any thoughts or advice?

        September 7, 2022 4:20 pm
        • Commenter Avatar
          Stephanie

          My only experience with them is my membership, their coverage which unlike some companies do cover both criminal and civil cases, and appeals, and do not demand repayment if you lose. Bail benefit caps 50k I believe.

          To me their coverage/benefits are straight forward and their website does a good job of providing info. I do recommend thoroughly reading coverage detail, you know the super long fine print some people skip.

          Many companies seemed to have many "if, then, but" clauses and were more convoluted, USCAA comes to mind. USCAA does tout their large focus on training; however, as you know one can learn only so much from watching vids.

          Armed Citizens Legal Defense Fund sends a few books, has a series of videos, but that's it. I did call to talk to them to get more info before signing up.

          I also had prior knowledge of the people who came together to create the company, Mas Ayoob and Jim Fleming in particular.

          I'm sure you're familiar with Mas Ayoob. Sadly, Jim Fleming passed away last year. Before becoming a defense attorney, he was a policeman. Shorty before he passed away, he wrote the following exceptional book which if you haven't read it, I highly recommend.

          By Jim Fleming: AFTERMATH: Lessons In-Self Defense: What To Expect When the Shooting Stops

          I wish you the best luck in finding your preferred company.

          September 7, 2022 9:05 pm
      • Commenter Avatar
        Shelley Cannon

        It says it in the name. It's a legal team. Not an insurance policy

        July 16, 2023 6:54 pm
    • Commenter Avatar
      Tom

      If you accept a plea deal, say a misdemeanor rather than go to trial, which over 90% of SD cases end up that way, USCCA's insurer will NOT pay one penny. Why? You admittedly committed a criminal act.

      February 16, 2022 5:08 am
    • Commenter Avatar
      Edwsrd Patches

      CCW Safe dies not cover any incident in which Force is used against other family members ir when Force is used against people who are in member's house with permission or by invitation, excluding servicemen, delivery, contract