Do you guys have insurance God forbid something happens? If so, what company would you recommend?

Have been a member of CCW Safe since 2016. Lots of information on YouTube. Search The Stephen Maddox Story...he was successfully defended by CCW Safe and acquitted of 1st Degree murder in a self defense shooting.

Yep, CCW Safe. But you have to do your own research to see what's best for you.

No matter how good a SD shoot is, doesn't mean you're not going to jail or trial. You'll need bail $$ & a good lawyer. These things cost big money.

Here's some links:

[Top 6] Best Concealed Carry Insurance Plans for 2021

6 On-Target Concealed Carry Insurance Options (2021) | Gun Digest

Best Concealed Carry Insurance Compared (2021) | Concealed Carry Society

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Watch & Pray

I agree with the others... do your own research and decide what is best for you. Dump1567 provided some great links. It's probably irrelevant but, as for me and my needs, I landed on USCCA.

Personally I think its a scam.

Every CCW class around here is just an infomercial for this stuff.

I’ve investigated plenty of shootings, many of which weren’t charged due to a claim (many very iffy) of self defense. I have never been called as a witness in a civil suit.

I think the “YOU WILL BE SUED” line is bunk.

If it makes you feel better, have at it.

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Rule of law, not a man.

Couldn't families sue via civil suit?

Thanks everyone for the links

I have insurance. I talked with or listened to 4 attorneys who specialize in shooting cases and all agreed insurance was a good idea. None of them had any affiliation with any insurance company.

Can the fact that you had insurance for this type of event in the first place work against you?
Sort of like the "10mm hypersonic hollow-point mankiller bullets"?

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Because of the metric system?

Personally, I don't. Yeah, I might need it someday, but I really cannot afford the added expense of paying an annual fee for something that I may never even need.
Furthermore, on the occasions that I attempted to look into the matter, then benefits were confusing and it just didn't feel reassuring.
Besides, my experience with insurance companies has been less than reassuring, and in a world in which insurance in so many forms is mandatory, (Health Insurance, Home-Owners Insurance, Car Insurance, etc...) I'd rather not enroll in additional insurance policies for things which are unlikely to happen if I'm careful.

I know that a lot of folks swear by it, and more power to you if you're enrolled in such an insurance plan, but I don't have the money and even if I did, I just don't want to pay the additional expense for coverage.

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Shooting Comfort is bilateral.

I have car insurance, home owners insurance, medical insurance, etc.

This really isn't about the Civil action that may follow, this is about bail money to get out of jail & legal representation if the DA files criminal charges.

If "Politics" gets involved in your legitimate SD shooting, there's a good chance you could face criminal charges so the DA can appease the "Public Outcry". It's happening everyday now with Law Enforcement.

We now live in "Clown World", were common sense takes a back seat to Social Justice. Is it worth your $500 a year for SD insurance to not loose everything? Or spend 1 more day in jail awaiting a Prelim or Jury Trial? Only you can decide.

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Watch & Pray

You do realize that such "insurance" covers criminal defense too?

Bingo! Exactly the point.

And that's why I went with CCW Safe. They seem to have a high Bail amount payout.

If your counting on an OR release, it just might not happen. Get ready to try and come up with $25K to 100K for the bondsman. All while sitting in jail over a good shoot.

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Watch & Pray

I've been on their HR218 plan since it was introduced. Has the coverages I want...and I've been a member of other plans and have done my due diligence.

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642-1, M&P15 TS

My annual dues have never increased from the day I enrolled in CCW Safe. Here is a link to Stephen Maddox and his stroy.

I too am reluctant to dive into any of the exalted companies. IIRC, none of them cover civil suits.

This is a major sticking point for all sides of the gun control debate. Let's just say there's a big push for all gun owners to be insured...which company will take the lead, insuring their customers against civil liability?

This, just from CCW Safes main page:

The links I posted above has already done the research.

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Watch & Pray

Texas Law Shield, which I'm pretty sure is now part of US Law Shield, seems a good idea and I lay out the annual membership for my wife and me. Not really "insurance" but a guarantee of legal help from experienced attorneys if one is ever unfortunate enough to be involved in a defensive incident. I carry their contact info right behind my CHL in my wallet.

I knew a man in a large Midwestern city that defended his family years ago from a home invasion. Perpetrator was DRT and though my acquaintance was no-billed he ended up having to move quietly to another city far away to get away from the threats to his, and his family's well-being from the "friends" of the perpetrator. What he went through made a civil wrongful death lawsuit look downright civilized. Don't think there's insurance against that.

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Ordnung muss sein
SWHF #789

I did some interweb keyboard commando work to find some mainstream news reporting on this instead of the propaganda links. The most interesting comment I found was a quote from the founders, who stated that the Maddox case was the first (and probably only, I couldn’t find another) case that CCW Safe has participated in completely, from arrest to verdict. That may explain the cost containment . . .

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Wisdom comes thru fear . . .

My wife and I have US Law Shield.

Can't imagine living in this anti-gun Fascists state without the insurance.

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Smith, and Wesson, and Me.

OP, when doing your research as others have suggested, check out the Armed Citizens' Self Defense Network. While not insurance, they offer some features that the other companies don't.

ACLDN is a good outfit.

Most, if not all of these organizations do not hold themselves out as "insurance". It is a legal service contract, or agreement of some sort. FWIW.

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642-1, M&P15 TS

I went with CCW-Safe. I was advised by a Law Enforcement Officer about it.

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Two Handguns every day

Good question. Good thread.

About how much does it run? One instructor I had pushed it, the other didn't.

USCCA covers legal and civil litigation.

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Chris S.
Fort Lauderdale, FL

I think about it from time to time. Now I'll think about it some more.

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Come and take it!!

In some states you are shielded from civil action if you are not guilty of a criminal offense in a shooting situation . NOT ALL STATES give you that protection . Here in Louisiana I can be sued even if the DA says it's a good shoot .

It depends on what coverage you get. Click on the links I posted above. They talk about Pros & Cons of each. Some are as much training companies as they are paying for legal representation.

You just can't listen to someone's opinion. You really have to do your research and decide if it's right for you.

I pay $500 a year for CCW Safe. But there are cheaper options.

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Watch & Pray

Right, but you have to be found not guilty first?

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Chris S.
Fort Lauderdale, FL

No, but you are best off getting the rules from the source:



Terms Of Service - CCW Safe National | CCW Safe Weapon Liability | CCW Safe Defense Attorneys

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642-1, M&P15 TS

Another vote for USCCA.

I am a member of CCW Safe. Just got my membership this year. I live in Florida, which is a gun friendly, stand your ground state, provided you don't do stupid things like some of the more infamous ones did here. They also cover you if you are out of state, and abiding by the states laws that you are in regarding Concealed Carry. It is not so much "insurance", as it is a "defense policy". Meaning it covers your legal expenses, lawyers, etc should you be charged or just arrested in a justified shooting. It helps with bail, firearm recovery, crime scene cleanup (self defense shooting in home), among other things. It also helps out with a Civil Trial, since we do live in a litigious society.



I made the decision based on everything that has gone on since last year. My wife and I were making plans this year to go on a long weekend retreat for our anniversary. Due to the violence and riots in some of the cities in the states we wanted to visit, we had to make other plans. Just because we have our CCW, does not mean we are going to go into harms way because we are armed. I think most of us want to avoid that at all costs, with it being a last resort. However, just based on how things have gone in the last 10 years regarding self defense and guns, I think we need to utilize every tool at our disposal. My wife and family are my top priority, and I cannot defend them, protect them or be there for them if I am in jail. What we see and know to be a "good self defense shoot" may not be seen as such by those who have a political axe to grind. Better to have it and not need it, than to need it and not have it. Even if you do win the trials, both criminal and civil, you will be ruined financially. This "insurance" is a way to help mitigate most of the legal costs. Not much good if you win your case only to lose your house and everything you worked so hard for your whole life. I think that this, coupled with commonsense, a level head, good judgement and a responsible attitude will help us protect ourselves and our families and loved ones from the wolves at the door.


Just my 2 cents.

I know I just posted in a similar thread 3-4 weeks ago.


USCCA is my choice.

We all decide what is best for us based on our own tolerance for risk and our willingness/ability to pay for protection against that risk.

All good.

Crazy times.

FWIW Due to recent changes to their coverage/pricing by USCCA, I will be switching to CCW Safe.

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Chris S.
Fort Lauderdale, FL

It seems like a good amount of the people in this thread went with CCW safe, So I'm curious what made you decide on USCCA?

I have a lot of research to do, thanks all for the replies!

Many years a CCW Safe client. I read what they had to say in comparison to some of the others and made sense to me to have it in relation to loosing what I have spent a lifetime building and accumulating for my family and myself...Really that simple for me.

I've been with USCCA for about 5 years, and thankfully I've never needed their services. Still, cost and coverage as well as training make it a good choice for me.

FWIW...
USCCA vs CCW Safe: Which is the Best CCW Insurance? [2021]




No matter which you decide on, you'll find fans and critics.

Some highlights from your link:

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Watch & Pray

Updated comparison chart from August 3, 2021

Self-Defense Gun Owner Insurance Programs Compared

That's a good comparison chart. You can see CCW Safe has the highest Bail coverage. Which was an important part of my decision process.

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Watch & Pray

That chart is a little bit misleading. I certainly do not pay $49 for my USCCA coverage.

I noticed a few irregularities.

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642-1, M&P15 TS

I only pay $35 per month for the top Single coverage with CCW Safe.
That's $420 per year. Just Sayen.

$399 for the HR218 plan from CCW Safe.

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642-1, M&P15 TS