Firearm & Concealed Carry Liability Insurance

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Firearm & Concealed Carry Liability Insurance



Owning a gun can come with unforeseen accidents or injuries. If you have a concealed carry permit, you never know when you might come across an incident where you have to use your firearm for personal defense.

The implications of a self-defense shooting can include:

  • Expense of posting bail bonds to stay out of prison as your case unfolds
  • Confiscation of your weapons until the resolution of the situation (assuming the outcome is in your favor)
  • Loss of income due to the potential for incarceration and the inability to work
  • Numerous court appearances
  • Prohibitive costs associated with retaining legal services
  • Civil litigation leading to an unfavorable judgment resulting in thousands of dollars in damages

Disclaimer: This policy may not be offered in every state depending on applicable state and local laws. Please contact us for more information.

Concealed carry insurance for gun owners and handlers | Concealed weapons insurance | firearms liability insurance


Here is a list of frequently asked questions about our personal firearms liability and concealed carry insurance solutions:

Why Do I Need Concealed Carry Insurance?

Concealed carry insurance, also known as CCW or firearm liability insurance, is a form of low-cost coverage that provides legal protection if you use your registered firearm in a self-defense situation. As more people carry firearms to keep themselves and their families safe, an increasing number of gun owners are considering the purchase of this insurance. Many policies also provide coverage for civil court proceedings, such as when you are the target of a lawsuit filed by an involved party.

How Does Firearm Liability Insurance Work?

The level and type of CCW coverage will vary based on the policy and the limits you choose. In some cases, the insurer will provide upfront funds for your legal defense in the wake of a gun-related self-defense incident. Other insurers will only compensate you upon the resolution of your case. Coverage amounts vary widely and some policies might offer much higher limits than others.

Depending on the policy, you can also cover costs such as bail bonds, income interruption, attorney retainer fees, firearm replacement, and more. An experienced CCW insurance partner like XINSURANCE can help you determine the optimal coverages and amounts for your situation.

Our firearms liability insurance product can be offered to homeowners, security professions, law enforcement, businesses with armed employees, and more!

What Coverages Are Available for Concealed Carry Insurance or Firearms Liability Insurance?

We provide specialty customized insurance solutions through an all-in-one approach.*

  • Firearms Liability (Open & Concealed Carry)
  • Legal Liability (Accidental Discharge)
  • Bond Payment
  • Income Interruption
  • Legal Defense

*Provided up until a court of competent jurisdiction enters a finding of guilt, at which time no further coverage is available under the policy and we will seek reimbursement for the cost of the legal defense.

About Concealed Carry Insurance Coverage From XINSURANCE

To ensure that you and your assets are completely covered, XINSURANCE offers customized solutions for Firearms Liability and Concealed Carry Insurance that will cover gaps that most individual personal policies have so that you can rest easy knowing you’re protected. This insurance is provided by an A-rated excess and surplus lines specialty insurer with almost 40 years of experience. This is not a membership but a customized, personal self-defense policy.

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Don’t just take it from us, listen to what others have to say about our firearms liability insurance solution!

With XINSURANCE, you can purchase customized liability insurance coverage that will protect you in all the areas that your homeowners, employers, and business insurance policies won’t or can’t. Our underwriting team brings you over 40 years of experience, along with the ability to offer customized limits, coverage, deductibles, and premiums to create the perfect plan for your personal protection.

CCW Insurance: What You Need to Know

The following answers to frequently asked questions about firearm liability insurance will give you a better understanding of what it is and why you need it:

Is carrying concealed weapon insurance a legal requirement?

Currently, none of the 50 states have laws mandating that concealed gun owners carry liability insurance. However, laws are subject to change, especially with the increasing focus on gun control. Not having insurance places you at substantial financial risk.

Will my homeowners' insurance provide any protection for a self-defense shooting?

While the liability portion of a typical homeowners’ or renters’ policy covers injuries and property damage sustained by others, it does not apply to “intentional acts” involving the use of a firearm. Most policies exclude coverage in these situations, even in self-defense situations. Some plans do provide some coverage for injuries and damages resulting from the use of “reasonable force” by the policyholder. However, this is the exception rather than the rule.

Is concealed carry insurance expensive?

CCW is one of the least costly forms of insurance protection on the market. Depending on the coverages and limits you select, you can get a comprehensive policy for only a few hundred dollars per year. When you consider that it could save you thousands of dollars and help you avoid jail time, these plans offer a cost-effective solution.

What perks are available with concealed carry insurance?

A firearm liability insurance plan can offer much more than legal liability protection. Policies are available that include training opportunities with a focus on safety and education. Examples include weekly training drills, life-saving checklists, access to online video libraries and interactive “ask an attorney” features where you can chat with experienced lawyers about gun-related legal issues. 

Get a CCW Insurance Quote From XINSURANCE Today

Trust the pros at XINSURANCE to help you find an all-in-one firearm liability insurance policy that will meet your unique protection requirements. Our streamlined quote process saves time and hassles. Get started by submitting our quick online application. Our underwriters will then discuss the information with you via telephone and provide a quote for your review.

Contact us to get your free quote today!


No matter what business you’re in, if it involves firearms, a lot of risks are involved. That’s why a countless number of businesses from the firearms industry come to XINSURANCE. They want true coverage and true peace of mind. We’re able to provide customized liability insurance solutions that other insurers can’t or won’t.

Who We Can Help

We can help many types of businesses and individuals in the firearms industry, including:

  • Gun Shops and Retailers
  • Gun Manufacturers
  • Gun Suppliers
  • Hunting and Outdoor Trade
  • Commercial Buyers/Sellers of Military, Law Enforcement, and Tactical Products/Services
  • Rifle and Pistol Ranges
  • Trap and Skeet Ranges
  • Gunsmiths
  • Firearms Instructors
  • Gun Safety & Marksmanship Instructors
  • Gun Owners

Coverage Options

XINSURANCE offers an all-in-one approach that allows you to have multiple coverages under one policy. Below are some examples of coverages we can provide solutions for:

  • Commercial General Liability
  • Commercial Auto (available in most states)
  • Product Liability
  • Premises Liability
  • Property Coverage
  • Equipment Rental Liability
  • Weapons Coverage
  • Firearms Transport Liability
  • Professional Liability (E&O)
  • Directors & Officers (D&O)
  • Employment Practices Liability Insurance (EPLI)
  • Individual Liability
  • Communicable Disease Liability Coverage
  • Riot & Civil Commotion Liability Coverage
  • Customization & Repairs
  • Active Shooter Liability Coverage
  • Personal Firearms Liability (not available in all states)
  • Alleged Assault & Battery Liability
  • Alleged Sexual Abuse & Molestation Liability
  • Tru Umbrella

We Are Experienced in the Firearms Industry

At XINSURANCE, we recognize the exposure you and your business face in today’s litigious society. Even the best professionals sometimes face challenges. Lawsuits are becoming common. If an incident, claim, or lawsuit occurs, XINSURANCE is there for you to provide true peace of mind with a partnership approach.

We provide comprehensive coverage solutions for a range of risk factors. If you’ve had trouble obtaining adequate protection elsewhere or have been canceled or nonrenewed, we can step in to offer insurance solutions.

Related Materials


  • Each year, nearly 500 people die from unintentional firearm injuries — more than one person every single day.
  • Guns kept in homes are more likely to be involved in a fatal or nonfatal accidental shooting, criminal assault, or suicide attempt than to be used to injure or kill in self-defense.
  • The estimated minimal number of times a gun is used for defensive purposes in the United States each year is 760,000.


XINSURANCE is a proud member of the NSSF (National Shooting Sports Foundation).

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