Concealed Carry Liability Insurance

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Firearm & Concealed Carry

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CONCEALED CARRY INSURANCE FOR GUN OWNERS AND HANDLERS

Owning a gun can come with a lot of 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. Likewise, your firearm might be stolen and used for criminal purposes, and, in most cases, gun owners will generally be held responsible.

The implications of a self-defense shooting can include:

  • Police investigations that could lead to an arrest and possible criminal conviction
  • 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
  • Possible jail time if you’re convicted of a gun-related crime
  • Civil litigation leading to an unfavorable judgment resulting in thousands of dollars in damages
Firearms Liability & Concealed Carry Insurance

Why You 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.

A CCW insurance policy from XINSURANCE will help pay for your legal representation and defense if you become the subject of a criminal investigation when using your weapon in a self-defense situation. 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 carrier 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 — some policies will only provide a maximum of $50,000 for criminal defense and $100,000 for liability, while others offer much higher limits.

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

About Concealed Carry Insurance Coverage From XINSURANCE

To ensure that you and your assets are completely covered, XINSURANCE offers customized 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.

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

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 30 years of experience, along with the ability to offer customized limits, coverage, deductibles, and premiums to create the perfect plan for your personal protection.

Available Coverages

Available Coverages

KNOW THE FACTS

Firearms Liability & Concealed Carry Insurance

From 2005-2010, almost 3,800 people in the U.S. died from unintentional shootings.

Firearms Liability & Concealed Carry Insurance

20% of nonfatal injuries occurred in the home

Associations

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

NSSF

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:

Can someone sue me even if I’m not convicted of a gun-related crime?

The absence of a criminal conviction does not prevent someone from suing you. There have been many cases where someone using their gun in self-defense avoided prosecution or was found not guilty in a criminal court, but still had to pay civil penalties. A comprehensive CCW policy will protect you in both instances.

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 a 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!

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