If you’ve made the personal decision to invest in the concept of armed self-defense, whether concealed carry or open, with firearms or without, then you know how important it is to prepare yourself for unlikely, but important scenarios to stay safe. It’s, as they say, not the odds, but the stakes.
Let’s say in your journey toward armed defense, you’ve invested in a firearm, one of the dozens of available concealed carry holsters, the best training available, probably a CCW (Concealed Carry Weapon) permit (unless you live in a permitless carry state, though we do still recommend taking advantage of the additional benefits of a concealed carry permit, which can vary by state and/or jurisdiction, and maybe even a carry belt. That’s no small sum of money for most people, but with an honest review, and the best research-backed choices, it can be well worth it. Is there something else you might have missed in this self-defense plan? What about legal coverage for a criminal defense attorney, or civil defense lawyer?
Many would say that the last piece of that puzzle is CCW insurance, also known as concealed carry insurance coverage, and sometimes mistakenly referred to as firearms liability insurance, which it is not. This generally means you join an organization that, in return for a monthly installment, offers pre-paid access to, or reimbursement for, a civil and criminal defense attorney should you ever be required to lawfully defend yourself with those paid for skills, holster, information, and gun.
You’ve probably heard the popular defense of concealed carry, “It’s better to be judged by 12, than carried by 6,” and while many people would agree it’s best, that “judgement by 12” comes with a hefty price tag. If you don’t have some type of insurance policy for armed defense, you may be stuck paying for a civil and/or criminal defense attorney to defend your freedom yourself.
Is it better to owe thousands of dollars in court and criminal defense attorneys’ fees than be dead? A lot of people would agree with living rating higher than dying, but why make that choice if you don’t have to? We hope to convince you that concealed carry insurance coverage is a worth while investment as a legal part of a lawful self-defense or CCW plan. Ensuring your immediate access to a defense attorney helps keep you physically and financially safe while resting easy knowing that you’ve got dependable legal coverage if you need it for a low monthly fee, for years to come.
What Is a Carry Insurance Policy?
At its core, the best CCW insurance coverage is the exchange of a monthly fee for guaranteed civil and criminal defense attorney representation for lawful self-defense involving a gun or other legal weapon. Membership fees are determined by the base rate, and the optional addition of extended coverage that varies based on what given CCW insurance providers offer.
Reputable concealed carry insurance providers offer extensions to their base fees, with optional expanded coverage that offers things like identity theft coverage, hunter/angler legal assistance, bail bond and expert witness fee protection, multi-state, and spouse or other family member coverage.
The monthly base plan may be perfect for you, but the optional addition of so many extra areas of a responsible gun owner’s life make customization of your best CCW insurance policy simple and easy, beyond knowing that you’ve got an attorney available should the worst happen.
Would a CCW Insurance Policy Benefit Me?
If you’ve made the personal decision to take on liability for your own defense, as well of that of your spouse or family, then yes, a carry insurance policy can absolutely benefit you. By deciding to take responsibility for your own protection, you also must consider that doing so may result in criminal prosecution by the government, and the need for a civil defense attorney due to a potential civil suit by the assailant, or their family. The need for the protection of a civil defense attorney can even come after you win the criminal trial, so there really are no guarantees, other than the cost of a defense lawyer and associated fees.
With the price tag of defending yourself in court starting in the thousands of dollars, and the very real possibility of it becoming tens of thousands of dollars, a low monthly fee that guarantees the protection of unlimited legal defense is definitely a measurable benefit. Having access to CCW insurance that offers an attorney for general legal questions alone might be enough to keep you out of the courthouse.