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Best Concealed Carry Insurance 2019

You just got your brand, spank’n new CCW. You can’t wait to show your friends and family and carry your new $1,000 Glock to the park, because, America. The first thing you purchased is a nice inside of the waistband holster, a mag carrier, and a weapons light, you want to be prepared for anything that comes your way. But what about concealed carry Insurance? Keep reading to learn about the best concealed carry insurance of 2019.

Carrying a Concealed Weapon (CCW)

So, there you are, at the supermarket and right in front of you while standing in line the guy ahead of you decides to make a withdrawal from the cash register at gunpoint. You snap into action, draw your weapon and take the shot. You miss, scare the crap out of him and hit the tobacco display. The suspect runs and you stay at the scene waiting for the cops.

To decrease your chances of missing, check out these 5 Gun Targets to Increase your Marksmanship.

The one thing you didn’t get, the one thing you didn’t buy. CCW Insurance. Now, you find yourself at the police station, answering questions. The person who was standing behind you made the statement, “He didn’t have to shoot at him!” and now she wants to sue you because she can’t work due to “PTSD”. Oh, did I mention that the supermarket also wants to sue you? Yeah, you now lost your home, cars and if you lose in court, you will have your wages garnished for the foreseeable future. How about them apples?

Trust me, if you decide to take on the risk of carrying a firearm in today’s “sue happy” system, you better source some CCW insurance. I have it, I know many who do and I hope after reading this article you start looking for some for yourself, before buying that $1,000 Glock, before buying your holster, mag carrier, and little weapon light. Do your homework, get the darn insurance and make sure it starts the same day you get that new CCW!

The following four companies are ones you can look into and at the very least, point you in the right direction to get the process started. ReFactor, has no stake in these companies. I was not paid to represent any of these companies or push their products. Now, I am not going to cover every nuance of CCW coverage, but the finer points.

This article will list the top-selling points of the selected companies, their websites and who they are. It is upon YOU, the CCW holder to dig deeper into whatever membership agreements you enter into with these companies, do your due diligence.

Interested in what revolvers work best as a CCW? Read our blog, The Best Revolver for Concealed Carry [2019]

Important terms to know

When shopping for Concealed Carry Insurance you will see that various companies offer various services.  It’s important to know what these coverages entail

Bail Bond Coverage

Some Concealed Carry Insurance Companies will cover your bail bond, up to a certain amount, if you’re facing trial for your actions

Appeals and Expungement Coverage

Some Concealed Carry Insurance companies will only cover your main trial.  If you’re found guilty and you would like to file an appeal, you will need to have a CCW Insurance company that covers both the main trial and an appeal.  Expungement coverage gives you coverage to expunge your record in the event you are found innocent.

Criminal Defense Fund Cap

Some insurance companies will cover you up to a certain amount.  This is important since some defense fees can easily exceed 1 million dollars.

USCCA


The first company is, USCCA, which boast that it has 285,000 members and offers several different packages. You can find them here, USConcealedCarry.com, their website is very simple and straightforward. The packages they offer for concealed carry insurance are as follows:

Click for Rates

GOLD MEMBERSHIP

$22/MONTH or $247/YEAR.

With this package, you get a subscription to their magazine, education, training, legal representation, member perks and access to their community.

What’s the best CCW? Read our blog, Best Concealed Carry Pistols Buyer’s Guide (2019)

The Gold Membership gives you up to $500,000 for civil defense coverage and up to $100,000 in Criminal Defense coverage.

Concealed Carry Magazine

  • Complete Print + Digital Subscription (8 issues per Year)
  • Complete Online Access To 1 Year of Back Issues

Education

  • CCW Reciprocity Map With Permit Expiration Reminders
  • Member-Only USCCA App Features
    • CCW Alerts When Crossing State Lines
    • Attorney Locator
    • Quick Access To Attorney Contact Info
  • Weekly updates on news, changing laws, and gear reviews
  • 10 Lifesaving Checklists
  • Digital Access to 15 Lifesaving Guides & eBooks

Training

  • Weekly Training Drills
  • Live Training Broadcasts With Industry Experts (3 Times per Year)
  • Access to Nationwide USCCA Certified Instructor Network
  • Member-Only Online Video Library
    • Proving Ground Scenario-Based Training Series (Over 30 Videos)

Legal Protection*

  • $500,000 in Self-Defense SHIELD Protection For Civil Defense & Damages
  • $100,000 in Self-Defense SHIELD Protection For Criminal Defense, Bail Bond Funding & Attorney Retainer
  • 24/7/365 Critical Response Team
  • Your Choice of Criminal Defense Attorney
  • Up-Front Funding For Criminal Defense & Bail Bonds
  • Protection For Use Of ALL Legal Weapons

USCCA Community

  • USCCA Community Giving Program – Provides Free Training and Resources To Your Community
  • 24/7 Access to Expert Member Services Team
  • Free Daily Entry to Annual USCCA Concealed Carry Expo

Member Perks

  • Exclusive Discount on Gold Spouse Membership
  • Carry Confidence™ Kit Mailed Within 1 Business Day
  • Member-Only Discounts on USCCA Training & Gear
  • Early Bird Access to Newly Released Training & Gear
  • Huge Discounts from Trusted Industry Partners

PLATINUM MEMBERSHIP

$30/MONTH or $347/YEAR.

The Platinum Membership provides you with everything the Gold Membership comes with and ups the Civil Defense coverage to $1,000,000 and the Criminal Defense coverage to $150,000. You also will be given additional video packages if you choose this coverage.

For more information you can visit their website, linked above, and here is a link to their membership agreement, which can be found on the site as well.

Concealed Carry Magazine

  • Complete Print + Digital Subscription (8 issues per Year)
  • Complete Online Access To 5 Years of Back Issues

Looking for a concealed carry purse for yourself or that special someone? Read our blog, Best Concealed Carry Purse

Education

  • CCW Reciprocity Map With Permit Expiration Reminders
  • Member-Only USCCA App Features
    • CCW Alerts When Crossing State Lines
    • Attorney Locator
    • Quick Access To Attorney Contact Info
  • Weekly updates on news, changing laws, and gear reviews
  • 10 Lifesaving Checklists
  • Digital Access to 30 Lifesaving Guides & eBooks
  • Interactive “Ask An Attorney” Monthly Webinar

Training

  • Weekly Training Drills
  • Live Training Broadcasts With Industry Experts (3 Times per Year)
  • Access to Nationwide USCCA Certified Instructor Network
  • Member-Only Online Video Library
    • Proving Ground Scenario-Based Training Series (Over 30 Videos)
    • Situational Awareness Video

Legal Protection*

  • $1,000,000 in Self-Defense SHIELD Protection For Civil Defense & Damages
  • $150,000 in Self-Defense SHIELD Protection For Criminal Defense, Bail Bond Funding & Attorney Retainer
  • 24/7/365 Critical Response Team
  • Your Choice of Criminal Defense Attorney
  • Up-Front Funding For Criminal Defense & Bail Bonds
  • Protection For Use Of ALL Legal Weapons

USCCA Community

  • USCCA Community Giving Program – Provides Free Training and Resources To Your Community
  • 24/7 Access to Expert Member Services Team
  • Free Daily Entry to Annual USCCA Concealed Carry Expo
    • Advanced Show Entry

Member Perks

  • Exclusive Discount on Platinum Spouse Membership
  • Carry Confidence™ Kit Mailed Within 1 Business Day
  • Member-Only Discounts on USCCA Training & Gear
  • Early Bird Access to Newly Released Training & Gear
  • Huge Discounts from Trusted Industry Partners

ELITE MEMBERSHIP

$47/MONTH or $497/YEAR

With their top tier “Elite” package, you see the Civil Defense coverage jump to $2,000,000 and Criminal Defense coverage goes to $250,000. There is also added perks, like lifetime access to all their back issues of the magazine and added perks of discounts with their partners.

Concealed Carry Magazine

  • Complete Print + Digital Subscription (8 issues per Year)
  • Complete Online Access To Lifetime Archive of Back Issues

Education

  • CCW Reciprocity Map With Permit Expiration Reminders
  • Member-Only USCCA App Features
    • CCW Alerts When Crossing State Lines
    • Attorney Locator
    • Quick Access To Attorney Contact Info
  • Weekly updates on news, changing laws, and gear reviews
  • 10 Lifesaving Checklists
  • Digital Access to 70+ Lifesaving Guides & eBooks
  • Interactive “Ask An Attorney” Monthly Webinar + Complete Archive

Training

  • Weekly Training Drills
  • Live Training Broadcasts With Industry Experts (3 Times per Year)
  • Access to Nationwide USCCA Certified Instructor Network
  • Member-Only Online Video Library
    • Proving Ground Scenario-Based Training Series (Over 30 Videos)
    • Situational Awareness Video
    • When To Use Deadly Force Video
  • 10+ Hours in eLearning Training Systems ($344 Value)
    • Concealed Carry & Home Defense Fundamentals
    • Emergency First Aid Fundamentals

Need a secondary option to carrying on the body? Read our blog, Top Rated Concealed Carry Backpacks of 2019

Legal Protection*

  • $2,000,000 in Self-Defense SHIELD Protection For Civil Defense & Damages
  • $250,000 in Self-Defense SHIELD Protection For Criminal Defense, Bail Bond Funding & Attorney Retainer
  • 24/7/365 Critical Response Team
  • Your Choice of Criminal Defense Attorney
  • Up-Front Funding For Criminal Defense & Bail Bonds
  • Protection For Use Of ALL Legal Weapons

USCCA Community

  • USCCA Community Giving Program – Provides Free Training and Resources To Your Community
  • 24/7 Access to Expert Member Services Team
  • Free Daily Entry to Annual USCCA Concealed Carry Expo
    • Advanced Show Entry
    • Elite VIP Experience

Member Perks

  • Exclusive Discount on Elite Spouse Membership
  • Carry Confidence™ Kit Mailed Within 1 Business Day
  • Member-Only Discounts on USCCA Training & Gear
  • Early Bird Access to Newly Released Training & Gear
  • Huge Discounts from Trusted Industry Partners
  • Elite Concierge Line (Priority Non-Emergency Phone Service)

Read full review here

CCW Safe

CCW Safe was co-founded by three gentlemen, one being a police officer and DOJ contractor, another police officer of over 20 years and a lawyer (general counsel). The company is based out of Oklahoma City, Ok. One thing I like about CCW Safe is they have an eclectic panel of advisors that cover many different professional areas. This panel includes the likes of Larry Vickers, behavioral physiologists, a women’s advisor and more, it really runs the table of experts.

Click for Rates

The plans they offer pretty much cover anything a CCW holder is looking for, which include, but not limited to, plans for active and retired LEO/Mil, CCW permit holders, constitutional carry (non-permit) holders, and home defense gun owners. These plans all vary in costs ranging from as low as $149 a year up to $499 a year. You can select the plan that best works for you and builds a plan with additional coverages if needed. It is pretty comprehensive and tailored to fit your needs.

Before you go around carrying a weapon, check out these top 7 pistol targets and get some quality range time in.

Listed here are some of the coverage options that come with their “Protector” plan, which is designed for active/retired LEO and Mil (taken from CCWsafe website):

  • Access to our 24-hour emergency hotline
  • Critical Response Team on site
  • $500,000 bail coverage
  • Vetting of Attorneys by National Trial Counsel
  • Unlimited Attorney fees covered up front
  • Unlimited Investigators covered up front
  • Unlimited Expert Witnesses covered up front
  • All trial fees covered up front
  • Firearm Replacement during trial
  • Spouse and children under 18 covered in home only
  • Up to $250 a day work loss while in criminal or civil trial
  • Up to 10 sessions (up to $4k) for a licensed counselor
  • Up to $3k for crime scene clean-up home*
  • Appeals and expungements covered

Click here to visit their website and to view their packages, click here. Another great feature they offer is training. They call this the “Academy” and it covers the following areas:

  • Firearms training, handling, and storage
  • The aftermath of a shooting
  • The real cost of self-defense
  • The art of de-escalation

These courses are very reasonably priced and are a very nice touch to round out their insurance coverage and products. 

Read our full CCW review here

Lockton/NRA Carry Guard

One of the biggest players in the firearms industry is the NRA. Love them or hate them they are here and they too offer insurance through their partner, Lockton Affinity. The NRA definitely have a polished website and support from many well-known players in the industry. One thing you get with the NRA is a known entity with deep pockets and connections. Which is a good thing, as they have been on the frontlines when it comes to anything firearm related.

Lockton/NRA offers four (4) different levels of insurance coverage; Bronze, Silver, Gold and Gold Plus. Each coverage option allows you to choose a monthly payment, ranging from $16 dollars to $43 dollars a month, respectively. Each plan also allows for annual payment plans, once a year, ranging from $173 dollars to $508 dollars a year. The plans, like most companies, become more comprehensive as the rates change. Below I have provided links to each of the plans, click the link to be directed to the finer details.

Bronze Plan

$250,000 in civil coverage protection, $50,000 criminal protection coverage

Silver Plan

$500,000 in civil coverage protection, $100,000 in criminal protection coverage

Gold Plan

$1,000,000 civil in coverage protection, $150,000 in criminal protection coverage

Gold Plus Plan

$1,500,000 in civil coverage protection, $250,000 in criminal protection coverage

Each plan comes with other added perks and resources, please see the links for further details.

Disclaimer:

I have used Lockton products in the past, not CCW coverage, and had a good experience. I am not saying they are the best on this list, just that it is the only company on this list that I have had personal experience with.

Second Call Defense

One of the most affordable companies I have found is Second Call Defense. Their slogan, which can be found in their mission statement, is “When you are forced to defend yourself with a firearm, your first call should be to 911. Your second call should be to Second Call Defense.” I listed the plan details below as the link just takes you to a page to sign up for coverage. They offer three (3) plans with escalating coverage;

Entry Level (Basic)

$9.95 a month or $119 a year

  • Insurance Protection
  • Criminal Defense Protection – $10,000
  • Financial Support
  • Immediate Cash for Bond – $1,000
  • Immediate Attorney Retainer – $2,000
  • Rapid Response Team
  • 24/7 Emergency Legal Hotline
  • Personal Crisis Manager
  • Nationwide Attorney Network Access
  • Local Attorney Referral within 24 hours
  • Emergency Contact Notification
  • Training & Education
  • Member Newsletter
  • Self Defense News

Full Coverage (Defender)

$14.95 a month or $179 a year

  • Insurance Protection2
  • Civil Suit Defense Protection – $500,000
  • Civil Suit Damages Protection – $50,000
  • Criminal Defense Protection – $50,000
  • Financial Support
  • Immediate Cash for Bond – $5,000
  • Immediate Attorney Retainer – $5,000
  • Aftermath Cleanup – $1,000
  • Compensation While in Court – $250/day
  • Rapid Response Team
  • 24/7 Emergency Legal Hotline
  • Personal Crisis Manager
  • Nationwide Attorney Network Access
  • Local Attorney Referral within 24 hours
  • Emergency Contact Notification
  • Expert Witness Coordination
  • Gun Retrieval or Replacement
  • Psychological Support – 20 sessions
  • On-Site Assistance
  • Training & Education
  • Member Newsletter
  • Self Defense News
  • Online Training

“Elite” Protection (Ultimate)

$34.99 a month or $399 a year

  • Insurance Protection2
  • Civil Suit Defense Protection – $1,000,000
  • Civil Suit Damages Protection – $250,000
  • Criminal Defense Protection – $100,000
  • Financial Support
  • Immediate Cash for Bond – $25,000
  • Immediate Attorney Retainer – $10,000
  • Aftermath Cleanup – $2,000
  • Compensation While in Court – $500/day
  • Rapid Response Team
  • 24/7 Emergency Legal Hotline
  • Personal Crisis Manager
  • Nationwide Attorney Network Access
  • Local Attorney Referral within 24 hours
  • Emergency Contact Notification
  • Expert Witness Coordination
  • Gun Retrieval or Replacement
  • Psychological Support – 40 sessions
  • On-Site Assistance
  • Training & Education
  • Member Newsletter
  • Self Defense News
  • Online Training

As you can see, there is a pretty big difference when comparing plans, both in price and in coverage offerings. Take this into consideration when choosing, there isn’t much offered with the basic plan, that being said, it doesn’t cost much either. You get what you pay for, however, I am sure there are a lot of people that could benefit from the basic plan, something is better than nothing.

Be a responsible concealed carrying American, go to the range and test out some of The Best Shooting Targets on the market to help improve your shot placement.

U.S. Law Shield

Single Adult Membership- $10.95/month or $131.40/year

Two Adults Membership- $21.90/month or $240.00/year

U.S. Law Shield might be one of the top recognized CCW insurance providers out there. Not only is it affordable, but they have an emergency line that lets you talk to a real attorney. Whether you need insurance because you own a gun, or you intend on using one, U.S. Law Shield will represent you. Keep in mind, their representation is based on the use of a legal weapon. It does not matter if it’s yours or someone else’s. As long as the firearm is legal, you’ll be covered.

A nice addition that many CCW insurers don’t offer is their protection for children. If someone breaks into your home while Jr. is home and he’s forced to defend himself, he can. And U.S. Law Shield will be there to represent him, just like they do for you.

Memberships Include

  • 24/7/365 access to Attorney-Answered Emergency Hotline
  • Member perks with special offers and discounts on LTC classes, firearms, optics, gunsmithing services, tactical training classes, range time, and more!
  • You pay zero attorneys’ fees for covered events
  • There are no caps, no hourly limits, and no deductibles
  • Legal representation for both Criminal and Civil proceedings
  • Member seminars with face-to-face time with experienced attorneys, instructors, and experts in self-defense law

Additional Add-Ons

  • Gun owner identity theft
  • Multi-state protection (Includes D.C. and Puerto Rico)
  • Minor Children (17 and under)
  • Hunter’s Shield
  • Bail Bond and Expert Witness (only available in Texas, Oklahoma, and Pennsylvania)

Armed Citizens Legal Defense Network, Inc.

Armed Citizen Legal Defense Network isn’t like a lot of the other legal defense options out there when it comes to self-defense. They don’t offer a bunch of random “free” items to make their membership seem worth it. They actually have helped their members in self-defense cases (22 to be exact) and they offer bail assistance—a lot of other options out there don’t or they’ll make you pay extra for this service.

All membership options offer the same benefits. The longer you’re a member, the bigger your discount. They make funds available to members by taking 25% of your dues and putting it toward the network’s fund, which is currently sitting at over $2 million, according to the network’s president and intended for use to help in matters of all legitimate acts of self-defense (firearm or other means of defense).

1-Year Membership

  • Receive eight educational lectures on DVD
  • 230-page educational book
  • Assistance with legal expenses after self-defense

Price: $135 (initial), $95 (renewal)

  • 1 Additional Member (+$60.00)
  • 2 Additional Members (+$120.00)
  • 3 Additional Members (+$180.00)

3-Year Membership

  • Receive eight educational lectures on DVD
  • 230-page educational book
  • Assistance with legal expenses after self-defense

Price: $295 (initial), $255 (renewal)

  • 1 Additional Member (+$180.00)
  • 2 Additional Members (+$360.00)
  • 3 Additional Members (+$540.00)

10-Year Membership

  • Receive eight educational lectures on DVD
  • 230-page educational book
  • Assistance with legal expenses after self-defense

Price: $790 (initial), $750 (renewal)

  • 1 Additional Member (+$600.00)
  • 2 Additional Members (+$1,200.00)
  • 3 Additional Members (+$1,800.00)

Each membership comes with an initial retaining fee paid to the attorney for up to $25,000 and up to $25,000 for bail assistance.

*Armed Citizens Legal Defense Network is NOT an insurance company or a pre-paid legal service

Concealed Carry Classes

On top of getting yourself some concealed carry insurance, make sure you do the training to back yourself up. The intentions may be good, but a person carrying a weapon who doesn’t know how to use it is a walking hazard. So, do yourself a favor before you even start carrying. Take classes, know your weapon and also learn how to draw your weapon from its concealed location. If you’re always practicing drawing from the hip with no obstacles, such as a hoodie, then you won’t be prepared and your speed will be hindered if the time every came and your clothing choice got in the way.

In summary, if you are willing to carry your pistol and obtain a CCW, you need to do the research and invest in proper training that is relevant to your purpose for carrying concealed. With this a CCW holder should also obtain insurance to protect you, your family and your investments in the event an incident occurs. The companies I have listed run the gambit of offerings and price. Find the one that works best for your lifestyle and budget, there are no excuses for someone not have this type of coverage.

9 Comments

  1. You left off one very significant company from your review, US Law Shield. I have been a member of several of the ones you profiled, but eventually went with US Law Shield after a careful comparison of the plans, particularly when you consider the fact that at the level of protection one truly needs, the plans you reviewed are way too expensive for the average American family to afford. And at the lower levels of protection one is still on the hook for hefty legal bills. Law Shield’s cost/protection ratio is the most economical, hands down. But don’t take my word for it, do your own homework, along with your own range time.

  2. My CCW came in the mail yesterday! I’ve never considered insurance but you’re right…it’s a necessity unfortunately. Thank you for putting this information together, it’s saved me a lot of time and helped me gain some invaluable knowledge.

  3. The listing for U.S. Law Shield states, “Bail Bond and Expert Witness (only available in Texas, Oklahoma, and Pennsylvania).” Does that mean that both are only available in the listed venues, or does it refer to Expert Witness only? This is a pretty important distinction that’s not specified in the write-up (very good, BTW) or on USLS’s website. I’m going to check further with them, but you might care to clarify the matter here.

    1. From their site:
      WHAT’S NOT COVERED
      While our services are extensive, the program does not cover expert witness fees, governmental fees of any type, identity theft, stolen firearms, investigator fees, or bail bonds. In some states, however, members do have the option to purchase Bail Bond and Expert Witness add-on coverage.

      You can only add the coverage in TX, OK, and PA

      No bail bonds is what’s making me hesitate the most and I can not add it.

  4. If my bail was a million dollars, and my coverage protection was cash 100k. Does my bond protection plan have to cover the ful million or the normal acceptable option that courts offer which is 10% of bail and a signature?

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