Firearm & Concealed Carry Liability Insurance

Specialty insurance solutions tailored to your unique needs.
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Locked, loaded, and liability covered: your triple layer of firearm assurance.

Don’t just be locked and loaded; add the third layer – liability coverage. Our firearms insurance solution completes the trio, ensuring you’re prepared, protected, and responsible.

The Importance of Firearms Liability Insurance

As a responsible gun owner, acquiring firearms liability insurance is a wise choice to protect your financial and legal interests. Accidents, including accidental discharge, can happen despite exercising caution, and liability insurance can provide coverage for damages and injuries caused by your firearm. For those with a concealed carry permit, this insurance extends beyond the home, offering crucial protection for incidents that may occur in public spaces, including situations involving self-defense. By securing firearms liability insurance, you not only ensure responsible gun ownership but also mitigate potential financial and legal repercussions related to the use or carrying of your firearm.

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

Who Should Have Firearms or Concealed Carry Insurance

  • Any Gun Owner
  • CCW Permit Holders
  • Firearm Instructors
  • Hunters
  • Armed Guards
  • Police Officers
  • Business Owners
  • And More!
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Firearms Liability Insurance Coverage Options*

Firearms Liability*

Coverage for open and concealed carry, accidental discharge, and more, for both personal and commercial use. Learn more.

*Available in most states

Legal Liability (Accidental Discharge)

This coverage is designed to address situations where a gun owner accidentally fires their firearm, causing injury or property damage, and subsequently faces legal actions or liabilities.

Bond Payment

Refers to the provision of funds to cover bail expenses if the policyholder is arrested in connection with a covered incident, such as a self-defense scenario.

Income Interruption

Provides financial support to the policyholder in the event of income loss resulting from a covered incident, such as legal proceedings or other consequences following the use or discharge of a firearm.

Civil Suit Defense

Can cover the legal expenses, up to policy limits, associated with defending against civil lawsuits arising from incidents related to firearm ownership or use.

Legal Defense

Provides financial protection for the policyholder’s legal expenses, up to policy limits, in the event of a covered incident, such as self-defense or accidental discharge.

TRU Umbrella

Additional coverage to fill the gaps and cover the exclusions in your existing policy. Learn more.

Alleged Assault and Battery Liability

Coverage for claims against you regarding assault and/or battery.

Alleged Sexual Abuse and Molestation Liability

Coverage for claims against you regarding sexual abuse and/or molestation.

Animal Liability

Provides coverage for third-party bodily injury and property damage caused by an animal that you own. Learn more.

Professional Liability

Coverage for claims regarding negligent acts and more. Learn more.

Weapons Coverage

Coverage for third-party property damage and bodily injury caused by a weapon that was used for personal or commercial purposes.


Coverage is 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.

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FAQ About Firearms and Concealed Carry Insurance

Why do I need concealed carry (CCW) insurance?

Concealed carry insurance, also known as CCW or firearm liability insurance, is a form of low-cost coverage that can provide 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.

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.

How much does concealed carry insurance cost?

The cost of concealed carry insurance can vary based on factors such as coverage limits, policy features, and individual circumstances. Our insurance product is designed to go beyond the basics, offering a level of protection that reflects the value we place on your safety, legal security, and overall well-being.

For a personalized quote and to explore coverage options, please contact our dedicated team who will be happy to assist you in finding the plan that aligns with your requirements.

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How To Get A Quote

Request Your Quote

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Specify Your Needs

We’ll schedule a call with you to consult on your needs, and collect more details

Get Your Custom Quote

We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy

Learn More: CCW Insurance & Firearms Liability Insurance

Self-Defense Coverage

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 self-defense.

XINSURANCE provides coverage solutions that can defend you against allegations of negligence and, if needed and warranted, that you acted in legal self-defense when you discharged your firearm.

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

How Does Firearm Liability Insurance Work?

The level and type of CCW coverage will vary based on the policy and the limits you choose. We can provide coverage solutions that will defend you against all allegations of negligence and, if needed and warranted, that you acted in legal self-defense when you discharged your firearm.

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 solution can be offered to homeowners, security professionals, law enforcement, businesses with armed employees, and more!

Insurance for the Firearms Industry

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 businesses and individuals in the firearms industry, including gun shops and retailers, gun manufacturers, gun suppliers, shooting ranges, gunsmiths, firearm instructors, and more.

Firearms Industry Insurance Coverage Options
We offer an all-in-one approach that allows you to have multiple coverages under policy. Coverages can include commercial general liability, product liability, firearms transport liability, professional liability, commercial auto (available in most states), premises liability, property coverage, and much more!

Can I Be Insured If I've Been Dropped or Rejected by an Insurance Company?

Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. We can also help you if you have a claims history. We step in to provide an insurance solution when others can’t or won’t.

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 for a free quote today!

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Armed American Radio & XINSURANCE

Now featured on Armed American Radio with Mark Walters! See the latest news and our featured article.

Broadcasting LIVE every week from the studios of Talk 920 in Atlanta and SYNDICATED NATIONWIDE by Salem Radio Networks, AAR is now available to any radio station in North America.

Know the Facts

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.


NSSF logo

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

What our clients say

Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.

– Dave H.

They are amazing and always there to help you if you have any questions or concerns.

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XINSURANCE is very easy to deal with. We didn’t have to wait forever for the information we needed. And the whole process of finding a plan that worked for us was almost too easy.

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Your Trusted Team For Tackling the Unexpected

Fighting for You is What We do Best

At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.

Unique Requirements are Our Specialty

XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.

Built-For-You Flexibility & Dedicated Support

The XINSURANCE approach to coverage is anything but “one size fits all”. Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.

More of Your Coverage - All In One Place

Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.

What You Can Expect From Our Team

Insurance solutions tailored to your needs

Expansive coverage options

Expert support when facing frivolous charges

Dedicated support & service