Best Concealed Carry Insurance [Top 5 Comparison]

When it comes to picking CCW insurance, the options can be a little overwhelming. 

Too Many Options

 Just like any other type of insurance though, whether it’s car insurance, life insurance, or even the all-important pet insurance (yes, it’s a thing), it’s always a good idea to check out the offerings of a few companies before deciding on which policy to go with.

If you’re lucky enough to have time to go around and check out all the CCW insurance policies out there, great!  Me too! We should hang out sometime.

For everyone else, you’ve come to the right place, because your favorite writer on your favorite site has done all the legwork for you!  

Never skip leg day
Friends don’t let friends skip leg day.

All you need to do is read on and check out the differences between some of the more popular CCW insurance policies from the comfort of your toilet. Or couch or whatever.

Playing the Insurance Game

I’m sure there are a few of you out there that don’t think CCW insurance is even necessary.  For some of you, this may actually be true, but only if you’re somehow stuck in a state that doesn’t recognize the Second Amendment and you are limited to shooting your firearms at the range.  

On top of that, you also need to have decided that you will never use a firearm in self-defense, even at home.  If you meet those conditions, then CCW insurance might not be for you.

For literally everyone else, you should probably at least check out the most basic options available, even if you don’t carry, concealed or otherwise, because if you ever need to discharge your firearm, whether it’s at home, in your car, or in the sketchy parking lot outside of that equally sketchy Denny’s, you’ll wish you were covered.  

Creepy Denny's
You know the Denny’s we’re talking about…

Even residents of California may want to consider CCW insurance, at least for now, while you are still allowed to defend yourself with deadly force under the Castle Doctrine (check out our CA gun laws article for a refresher).

Those that do carry, either open or concealed, it should be a no-brainer.  CCW insurance is basically just insurance to cover MOST costs associated with using your firearm in a self-defense situation.  

CCW Meme

What Does It Cost Anyway?

The last thing on your mind if you are ever unfortunate enough to be in a situation where you have to discharge your firearm in self-defense, is what is going to happen afterward.  Even if you’re a good shot, or the bad guy doesn’t want to take any chances and decides to flee, you’ll still be left holding the bag when the police arrive.

Regardless of whether the police think it’s a clean shooting, it’s something that needs to be decided in court by a jury, which means court fees, attorneys’ fees, and all the other fun stuff that comes with it.  Unless you’ve got a rainy day fund for this exact purpose, CCW insurance is usually the way to go. And FYI, that rainy day fund could go towards extra guns and ammo instead. Just saying.

Do you accept ammo as payment?
Do you accept ammo as payment?

Covering All Bases

For our comparison, we’ve picked some of the main players in the CCW insurance field to cover.  Even with the stats we go over in this article, there are some pieces of information that we didn’t include.  

We didn’t bother to list out the services that every company provides, like 24/7 phone support, and having higher tiers of insurance that come with additional coverage (and fees), since it’s essentially the same across the board.

Hello, yes this is dog
24/7 Phone Support is standard!

Of course, once you’ve settled on the two or three policies you might want to go with, it’s always a good idea to check out the information from those specific providers and take a look at all of the things that come with the policies to see which one best suits your needs.

What To Look For

While everyone’s got their own views on what is most important to them in an insurance policy, at the very least, information like how much you would be covered for in a civil trial or a criminal trial and how much of the bail amount is covered should be right at the top of all of our lists.  

Also, keep in mind that our comparison looks at the lowest tiers for each company, so there is always an option to upgrade for more money to get that extra coverage you want. With that, let’s get on with the show!

Best Concealed Carry Insurance Providers

1. USCCA

One of the leading CCW insurance providers in the field, USCCA has been providing CCW insurance for a very long time, and with that time, comes experience.  

USCCA

Of course, no policy is perfect, and there are some slight downsides to the offerings by USCCA.

Advantages

Being a big name and established company comes with benefits, like providing coverage in the entire US as part of all of their policies, even at the lowest tier.  

Another big draw for USCCA is the fact their coverage is for ALL legal weapons you might use in self-defense.  That means even if you couldn’t get to your gun in time for some reason, and you had to resort to using a kitchen knife instead, you would still be covered by USCCA.

Disadvantages

For your criminal defense, the coverage limit essentially factors in the bail bond amount, and right off the bat, your bail will eat into that fund.

Of course, it’s less of an issue if you go with a higher tier that offers a larger coverage amount, but then you’re also paying more for your insurance at that point.

Also something that came out lately is that there’s a few states where you can’t get coverage.

  • New York
  • New Jersey
  • Washington

The Numbers

It always comes down to the numbers.  Here’s where USCCA stands:

  • Monthly cost – $22/mo
  • Civil defense coverage limit – $500,000
  • Criminal defense coverage limit – $100,000
  • Bail amount – up to $100,000 (amount is deducted from criminal defense limit)
  • Lost wages compensation- $3000 total

We have a full review of USCCA from our editor who’s been a paying subscriber for a while.

USCCA Membership
USCCA Membership

What’s your take on USCCA?

Readers' Ratings

4.74/5 (383)

Your Rating?

2. NRA Carry Guard

**UPDATE** 8/15/2019

RIP NRA Carry Guard. After two years of lawsuits and state investigations, the NRA has announced that they are shuttering the NRA Carry Guard and closing it down.

However, according to The Trace the NRA does plan on launching other insurence products and options in the future.

Relatively new to the scene, NRA Carry Guard has the obvious name recognition of the NRA, and many of the benefits of being associated with the organization.  Not surprisingly, though, the plans they offer are a little more run-of-the-mill, and really is just the very basic option for those who want to get CCW insurance but don’t really know much about it at all.

NRA Carry Guard
She carries.  Do you?

Advantages

With its name recognition and the backing of the NRA, the biggest draw for the NRA Carry Guard plans is that it covers not only the entire US, but also the US Virgin Islands, Puerto Rico, and Canada.  

No other plans we’ve come across provide such wide geographical coverage, making this one the most appealing for travelers, or just anyone looking for a basic CCW insurance plan to buy and forget about.

Disadvantages

Of course, being a big name brand also means customers are more willing to let you get away with offering a little less in some areas as a tradeoff.  Our biggest gripe with NRA Carry Guard is that payments for costs are made only as reimbursements.

This means you’ll need to pony up all the costs upfront and wait for the policy to pay you back later on down the line.  If you don’t have the money to make the bail bond payment or even pay your attorneys initially, you might be SOL.

Another less concerning, but still disappointing issue is that at the standard tier, the civil defense coverage under NRA Carry Guard is lower than their competitors.  

Again, having the association of the NRA definitely helps them cut a few corners here and there, though of course, it’s still better than no coverage at all and definitely not a second-rate policy by any stretch.

The Numbers

As usual, the numbers are what usually makes or breaks the deal.  Taking a look at NRA Carry Guard:

  • Monthly cost – $16.17/mo
  • Civil defense coverage limit – $250,000
  • Criminal defense coverage limit – $100,000
  • Bail amount – $20,000
  • Lost wages compensation – $250/day

3. CCW Safe

While not as big as USCCA or NRA Carry Guard, CCW Safe is a well-established and time-tested CCW coverage plan.  

CCW Safe

It also has a pretty good selection of attorneys to represent you if you ever end up in court, including the attorney who defended this one guy named George Zimmerman.  You might’ve heard of him.

Advantages 

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.

Of course, an unlimited defense budget only makes sense if they pay for everything upfront.  Fortunately, they’re not psychos and 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.  

Lastly, CCW Safe is the only company we came across which offered a plan specifically for those who only want to be covered for self-defense in their homes.  If you don’t or can’t carry outside the home, you can sign up for their Home Defense plan, which provides the same coverage, just limited to your home.

Disadvantages

While close to being the perfect plan, there is one major downside to CCW Safe policies.

 You must have a CCW permit in order to sign up with CCW Safe or live in a state where a permit is not required.  Otherwise, you’ll only be able to sign up for their Home Defense plan.

The Numbers

So what does this awesome plan cost you?

  • Monthly cost – $22/mo
  • Civil defense coverage limit – no limit
  • Criminal defense coverage limit – no limit
  • Bail amount – $500,000
  • Lost wages compensation – $250/day

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

4. US & TX Law Shield

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

U.S. LawShield

Seriously though, even though they are one of the smaller companies in the CCW insurance game, US & TX Law Shield offers a relatively competitive plan, at very competitive prices.  

With that lower price, however, are some tradeoffs.

Advantages

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, exceeding the offerings from companies like USCCA and NRA Carry Guard.  

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.

Disadvantages

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

The Numbers

Getting down to brass tacks, here’s where US & TX Law Shield stands:

  • 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

5. Second Call Defense

Not the last call, but the second call (get it???), Second Call Defense sits right in the middle of the big name companies and the smaller ones, offering decent coverage limits, which aren’t the best, but also not the worst.

Second Call Defense

Advantages

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

Disadvantages 

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, with the pricing being lower than the bigger name companies but higher than the rock-bottom priced competitors.

The Numbers

With nothing surprising here as a middle-of-the-road offering, Second Call Defense numbers look like this:

  • Monthly cost – $14.95/mo
  • Civil defense coverage limit – $500,000
  • Criminal defense coverage limit – $50,000
  • Bail amount – $5000
  • Lost wages compensation – $250/day

So Which Is The Best?

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.  

Even the staff here at Pew Pew Tactical have gone with different providers to suit our individual needs, ranging from USCCA to CCW Safe, and even US & TX Law Shield.  The main thing is that you get some type of insurance, rather than none at all.

USCCA, of course, is arguably the most well-known CCW insurance provider, so you can’t really go wrong with a policy from them.  

It’s also nice that their plans cover all forms of legal weapons, while most other plans only focus on firearms. You never know when your pistol might jam and you need to grab a 9-iron to knock a guy out.   

Personally, CCW Safe is the one for me, as it’s got a proven track record with their stellar attorneys in some big name trials, and no limit on the civil or criminal defense coverage amounts.  

As an added bonus, they offer a Home Defense option for our brothers stuck behind enemy lines who aren’t allowed to use their firearms outside the home.

ccw meme

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.  

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 which provides more coverage than someone living in the heart of New York City.

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 2 or 3 options just in case your top choice isn’t available in your home state.  

Moving is always an option too.

Still Here?

If you’ve made it this far, pat yourself on the back and grab a cookie.  You should have enough information to at least know which plans to look into further and be able to decide on (or switch to) a CCW insurance plan that best suits the needs of you and your family.  

After that, all that’s left is to get out and get in some pew pew time at the range. Practice makes perfect!

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 New CCW Guns!

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59 Leave a Reply

  • Phil

    Do any of these plans offer coverage for a wrongful arrest for concealed carry? For example, what if a local cop doesn’t recognize your LEOSA credentials or he’s of the opinion that your CCW permit from a different State is not valid in their state?

    4 days ago
  • Tim

    Firearms Legal Protection is one of only a few where you immediately talk to a lawyer and not an answering service. They are on the case right away where as others review the cases once weekly to see what they will take. So say they review them on a Thursday morning and you get arrested Thursday afternoon you will sit in jail for a week and that's hoping they will take the case. I have the Family Premium Membership for $35./month and know a lawyer will be with me quickly and not next week. I also will talk with a lawyer and not an answering service. Whatever you do keep your mouth shut as soon as you call 911. And just say "There has been a Force on Force Firearms Related Incident" Nothing more until you talk your lawyer.

    5 days ago
  • Tom

    Insurance coverage is useful only if it kicks in if you are arrested and need bail money and an attorney. When looking at these policies, you have to think of the most unlikely and ridiculous scenario, you could find yourself in and ask if one of these outfits provides coverage. Here's an example: are you covered if arrested for possession even when you carry lawfully with a CCW and possess a weapon you own legally? The answer, for USCCA, is "NO" because the presumption is if you're not carrying legally, you are already in violation of the law, and they cannot and will not defend you. Yet, if you are involved a self-defense incident (except in N.Y., NJ, and W.A.) in the same jurisdiction, they will defend you. I'm a USCCA member on the Elite plan ($47 per month). I'm also a retired law enforcement officer authorized to carry concealed in all 50-states and territories of the U.S. by federal law (see LEOSA, 2004). Federal law supersedes state laws when governance over the same matter arises. But in some anti-gun States like N.J., N.Y., and W.A. (where most of these outfits do not provide coverage), some local jurisdictions pass laws to try to supersede or restrict CCW and LEOSA. In N.J., there are reports of arrests of active and retired LEO's for violation of local ordinances for violations of restrictive ammo ordnances. Yes, you read that correctly. LEO's in N.J. check the type of ammo CCW and LEOSA authorized persons carry and, arrest violators if they carry unauthorized ammo (e,g, hollow points). The point is, you have to think through what could go wrong when you carry. In this day and age, even the most innocuous situation leading to your arrest could put you in a position where coverage does not kick in even though you may think it should do so. And the whole point of coverage is to ensure you don't have to sell everything you own to pay for your defense.

    5 days ago
  • Robert Morse

    What happens if you have two CCW insurance plans such as USCCA and CCW Safe. Who pays? and will one cover the difference if say one doesn't have enough to cover all the bail or defense?

    2 weeks ago
  • Huxley Walters

    How many of the mentioned plans have the backing or underwriting of a credible insurance company to guarantee the company’s financial credibility and ability to come through when its member needs it? For example, USCCA is self insured. It has no insurance company backing! Depending on USCCA requires its members to rely, solely, on its financial strength to cover them in an emergency. Yet, USCCA refuses to provide its members with any accounting of its financial strength! In other words, the paying member has no assurance that, when he/she needs coverage, that USCCA possesses the financial strength to be there! If a carrier cannot/will not provide its member evidence of its financial credibility, then relying on that company is like buying a “pig in a poke”! Yet, my review of several company plans indicates that USCCA offers the best all-around benefits! It, really, is not an encouraging situation! Maybe the absence of insurance underwriters to such companies is a highly revealing deterrent!

    2 weeks ago
  • DJen

    I’m wondering if I were to get a ccwsafe defender plan for $179 but then supplement it with the ACLDN so I would have my civil liabilities covered for only $135 vs $220 a year with the add on civil coverage as well an advantage in the state of Washington. Any thoughts? Also what about Firerms Legal Protection? I hear no mention of them and from the website they look pretty enticing as well.

    2 weeks ago
  • El Gordo

    The reviews seem to be pretty thorough, however none cite the number of policies they have in force or the number of cases they have defended and/or won for their clients. I'm all for ccw insurance but I think that it's important to know their experience record and how successful they've been in defending their clients. Mentioning George Zimmerman may be good publicity but I wouldn't hang my hat on one case.

    4 weeks ago
  • Gene Ray

    Just wanted to say thanks for doing this comparison. It was very helpful and I appreciate your work !

    1 month ago
  • John Kruse

    This was helpful. Called my insurance agency thinking my homeowners would have some coverage -- duh. No. I ultimately, after agonizing over it quite a bit going back and forth primarily between USCCA and CCW Safe, went with CCA Safe. Thanks for a great article to get it rolling for me. I hope I NEVER have to find out how good it is!

    1 month ago
  • Timothy James Scott

    You did not mention LegalShield which is what Front Sight is recommending and what actually got me looking in to getting some sort of CHL Insurance.

    1 month ago
  • Gary S

    Some of the information in this article is wrong. I googled CCW Safe, the article says there is NO limit to the coverage, their website specifically say’s limit is one million dollars. Best to do your own homework, before you buy, I went there to buy it, but didn’t.

    1 month ago
    • David, PPT Editor

      Hello! We reached out to CCW safe to double-check and the coverage remains the same "Criminal, civil and administrative defense costs are covered 100% without cap." The $1mil cap you saw is for damages awarded (if you lose the civil case), not the cost of the defense. The defense is covered 100%.

      1 month ago
      • Gary S

        Thanks for clarifying that, my bad.

        1 month ago
    • Eric Hung

      Thanks Gary, policies change so we'll double-check and update the article!

      1 month ago
  • Max Haghighi

    I am going to start the process to get my CCW here in CA and I will for sure purchase coverage to protect myself in case I ever have to use my weapon to protect my self, but I am stuck deciding between two of the companies above. USCCA & CCW Safe. I am leaning towards CCW Safe because it offers unlimited dollars for criminal defense and civil defense. As an insurance agent, don't hold that against me, I often tell my clients to buy the most insurance they can afford and that is why I think CCW Safe would be the best option because defense costs can use up the $250,000 max USCCA offers in a blink of an eye leaving me picking up the rest. What is stopping me from pulling the trigger, is the shear number of people who recommend USSCA, most of which are experts in firearms. So I guess I am asking, for a compelling reason to go with USCCA beyond the amazing amount oftraining materials they provide and/or compelling reason to not go with CCW Safe. HELP!

    2 months ago
  • Tess

    USCCA WAS UNRESPONSIVE. I emailed them 3x asking them to answer a few Qs before I make my decision to join, and NO ONE EVER GOT BACK TO ME. I even “chatted” with a rep who confirmed the email address was correct. Both CCWSAFE and US LAWSHEILD had comprehensive replies to my questions within 36 hours. Lesson learned: USCCA will take the time to bombard you with marketing emails but cannot spare a few minutes to answer questions for a prospective member. (Note: Due to disability, I am not able to call; this was not an issue for CCWSafe or US LAWSHEILD —- they were there for me when I needed them.)

    2 months ago
    • Pierre Kerbage

      Hmmm. If they were that unresponsive during the SALE cycle - I can't even imagine how responsive they would be should there be a case opened. Pass! These folks should respond to Email within 24 hours (business days). I work at a high tech company and get between 200 and 300 Emails daily - now, not every email requires a response, but prospects and clients get my #1 priority and get my attention within 1 hour. 1 day is mediocre in this day and age! So I say, put them to the test (as you have). Nicely done.

      1 month ago
  • Isheian

    What do y’all think of Firearms Legal Protection?

    2 months ago
  • Ben

    US and TX Law Shield have been the defendant in a class-action lawsuit as of 2015. I don't know how or if that case was resolved, but they apparently had pretty shady contractual practices that allowed them to opt out of representing their members. Of course, that defeats the entire purpose. I'd like to see this review updated to take that into consideration.

    2 months ago
    • Dan

      I believe they were found not guilty or whatever the word is I’m looking for at 1am when I should be sleeping. :) Just go find out how it was resolved. Also, I’m pretty sure uscca is the one with the sketchiest record between the two. :)

      2 weeks ago
  • Rick Cohan

    I currently use FLP (Firearms Legal Protection) since it was recommended by SDCGO a few years back. I would be interested in your assessment of them

    2 months ago
  • Will Ross

    It appears from their website that CCW Safe has NY, NJ and WA limitations. Otherwise, coverages look very strong.

    3 months ago
  • Mike Lery

    What about Legal Shield? Any opinions? They are the endorsed provider by Front Sight (for what it's worth).

    3 months ago
    • Max Haghighi

      I have Legal Shield and I just found out they have supplemental insurance for gun owners, but it looks like it is not as comprehensive as the ones listed above. From what I read they provide you some access to ask questions from attornies that specialize in firearm law, 20 hours of pre-trial and 40 hours of post-trial representation and then discounted rates, which is very similar to their regular Legal Shield plan I have, but it does not provide all the other bells and whistles. So I would call a limited plan and it is $12.95 a month in addition to the regular plan. It is better than nothing, but I think the plans above are better and offer more comprehensive plan. The one thing the Legal Shield plan offers is the assistance of an attorney to file NFA paperwork if that is something you are looking for at $250.

      2 months ago
  • BillyBob Texas

    Have you - will you rate FLP - Firearms legal Protection , plz. They say they have coverage in both Civil and Criminal suits, Uncapped Attorney Fees, all 50 states, lost wages reimbursement, firearms confiscation coverage, Bail up to $250K, expert witness/investigator fees, etc.

    3 months ago
  • Kendahl

    I wish you had included ACLDN. They have a long and good track record. Their biggest disadvantage compared to CCW Safe and USCCA is a relatively small war chest. For example, I doubt they could have funded George Zimmerman's defense.

    4 months ago
    • David D

      I use ACLDN to suppliment my membership in another firearms owners' defense company with higher limits. ACLDN is only $95 per year after the first year, and their Advisory Board includes Massad Ayoob, John Farnam, Tom Givens, Dennis Tueller and attorneys James Fleming and Emanual Kapelsoh. Yeah, I want those guys on my side.

      2 months ago
    • Paul Yen

      Hey Kendahl, ACLDN is definitely on our radar, but like you mentioned, they are relatively small, and so didn't make the cut this time. That being said, some of my friends have used ACLDN to supplement their primary CCW insurance and have been pretty satisfied with that setup.

      4 months ago
  • Thomas Foster

    The author of this article states he chose CCW Safe as his insurance provider.

    4 months ago
  • Jeff Hewitt

    Paul, Can we discuss the new Lockton Affinity Outdoor Personal Firearm Liability insurance offering?

    4 months ago
    • Paul Yen

      Hi Jeff, that one didn't make it onto our list this time, since we were only considering the 5 most popular ones, but maybe next time! For what it's worth, I believe Lockton was involved with the now-defunct NRA Carry Guard, so the policies may be similar, especially in terms of reimbursement of legal fees after the charges are dropped or you are acquitted.

      4 months ago
  • Barry

    Has anybody heard about Self Defense Fund (SDF)? It looks good on paper, but there's not as much information about them online as about some of the bigger names.

    5 months ago
  • Daniel B.

    My LTC instructor was trying to sell us LegalShield in class but I don't like being pressured to buy so I wanted to more research on these companies. Thanks for you article and have you any opinion on or heard about LegalShield LTC insurance?

    5 months ago
    • Paul Yen

      Hey Daniel, my understanding is LegalShield is a standard insurance that allows for a gun owner's supplemental insurance, so you would not be able to purchase that insurance without an existing LegalShield insurance policy. This article is mainly focused on CCW insurance that is independent of standard insurance policies, but I'll definitely give other offerings another look in the next article!

      4 months ago
  • Brian

    USCCA offers "Gun Confiscation Without Due Process" protection. Does CCW Safe offer this protection? I did not see anything about this on their site and can not find this issue in comparisons.

    6 months ago
    • David D

      Yes, if you opt in for the Ultimate Plan ($499/year in one payment): "EXTREME RISK PROTECTION ORDER COVERAGE (“Red Flag Law” Coverage): The "Ultimate Plan" is the ONLY membership subscription that covers a legally issued Extreme Risk Protection Order that does not follow a Recognized Self-defense Use of Force Incident. CCW Safe will provide services and a contracted Attorney to represent the Primary Member and the Spouse who are Ultimate Plan members if they are found to be the subject of an Extreme Risk Protection Order. This will include all legal proceedings or hearings. CCW Safe will pay the legal fees of the Contracted Attorney up to the maximum amount of $10,000 per covered member." (Quoted from https://ccwsafe.com/terms) They claim to be the only company that offers this benefit. And no, I do not work for them. I just happened to have been reading through their Terms of Service earlier today. You do you.

      2 months ago
  • cliff

    I live in NJ and had CCW Safe. I believe they have the best policy out there. However, one day I received a letter basically saying "As of now we are not covering you anymore." Reason given is because of our new governors stance on guns. I can't blame them for that. But leave me suddenly hanging without any coverage is abysmal to say the least. They should have been courteous enough to give me a few days to get other insurance.

    7 months ago
    • Al Drake

      So what did you do or what company did you select instead?

      6 months ago
      • Steve

        Has anyone used 2A-Legal.com ? If so what do you think?

        5 months ago
  • lee

    Tried to sign up with USCAA & quickly discovered Washington state insurance commissioner has fined & barred them from selling insurance in the state. Washington state is fast becoming an anti-gun state suffering from the left-coast cancer spreading northward. Is there any protection for CCW in this state?

    8 months ago
    • Timothy Lange

      Yes, Armed Citizen Legal Defense Network, they are not insurance and they are headquartered in Washington State.

      8 months ago
      • edgar gonzalez

        Thank you. I am looking for CCW... something

        6 months ago
  • Robert

    Good article and review, Paul. I went with the Defender offering from CCW Safe. It was close though as USCCA and Law Shield are comparable. I have a CCW permit in Wisconsin so the plan I chose seemed the best fit for me, combined with the no limit coverages.

    9 months ago
  • Patrick McClatchey

    Do any of the insurers cover "negligent discharge" situations?

    9 months ago
  • Joe

    US Law Shield also covers appeals and any retrials with no dollar limit!

    10 months ago
    • Nita

      That is good to know, as I had not even considered that possibility; which in this litigious culture is more likely a probability.

      8 months ago
      • Wayne

        I see you commented 18 minutes ago hopefully you are still on. What about civil insurance? most wont cover it or its a lot more extra. Do I need this? How important is it? Wayne

        7 months ago
  • Rick

    I notice there is bias in your article.You lean towards USCAA because they have been around the longest. If you compare them to CCW Safe there is no comparison in value. CCW Safe -Monthly cost – $22/mo Civil defense coverage limit – no limit......HUGH Criminal defense coverage limit – no limit.....HUGH Bail amount – $500,000.......HUGH Lost wages compensation – $250/day........HUGH USCAA - Monthly cost – $22/mo Civil defense coverage limit – $500,000 Criminal defense coverage limit – $100,000 Bail amount – up to $100,000 (amount is deducted from criminal defense limit) Lost wages compensation- $3000 total How can you possibly say USCAA is a better plan ??

    10 months ago
  • Dwight

    Have not selected a plan yet. Was leaning towards USCCA until I saw the type of aggressive, intervention training they are doing. Talked to a firearms Attorney and apparently others are troubled also.

    10 months ago
    • Rick

      Can you explain that a little more..

      10 months ago
  • Steven

    Not sure why one would discount disqualify Law Shield because of the class action suit against them for over aggressively pushing their service at TX LTC (CHL) classes, when USCCA overaggressively pushes their services in your email inbox every single day.

    1 year ago
    • Rick

      I have been looking and CCW Safe has the best coverage...

      10 months ago
  • Fred Jimenez

    Hi, went with Armed Citizen Legal Defense Fund....hope I don't need it but am glad to have it.

    1 year ago
    • Nita

      I used the link you provided and it seems to only be ads for insurance for hunters. I do not see where it offers any insight into using TX Law Shield over USCCA or any other carry insurance?

      8 months ago
  • Jim Vaughn

    Also, do any of them cover you if you act to save someone else's life?

    1 year ago
  • Jim Vaughn

    What about Firearms Legal Protection?

    1 year ago
  • Rick3

    Uscca will not take clients from WA state, because of insurance regs. Bummer! Also, same problem as Ryan...can’t see last few columns in chart.

    1 year ago
  • Ryan

    Cannot read the read the last two columns on the right side of the chart. Ads cut them off. Definitely an interesting topic for me. I would like to see the whole chart.

    1 year ago
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