Firearm & Concealed Carry Liability Insurance
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Firearm & Concealed Carry Liability Insurance
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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.
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
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. 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 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 coverage 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.
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 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.
Testimonials
Testimonials
"Mark, thank you for getting the word out on XINSURANCE. It was very easy to get a quote. I visited their website, found the CCW section and filled out some basic info. Within 24 hours I had a call back from a representative, and within another day or 2, I had a quote. It's customized for my needs and was very affordable. As a Southern California CCW holder, it's absolutely critical that I have the insurance I need to protect myself and my family in the unfortunate event that I ever have to use my firearm in self-defense. I've recommended XINSURANCE to all my friends and family and will continue to spread the word. It's a must for any firearm owner, especially if you carry a firearm for self-defense." - Eric T.
"I feel SO much better knowing I now have my own insurance policy in my own name, not a third party 'member benefit additional insured' that doesn't even belong too me. It's a real insurance plan that covers my real life just like my other real insurance protections do, home, cars, etc. I sleep better at night. Thanks XINSURANCE!" - Susie W.
"These are scary times and my husband and I had liability coverage with Carry Guard, but the 'main company' got sued in some place like New York so that company decided to no longer underwrite carry insurance, which left us high and dry. We heard about XINSURANCE on Armed American Radio and started the quote process and had a plan written for the two of us that fits our needs. What I love about it is it's written in our names by an actual AM Best "A" rated insurance company that I know will be there if we need them. It was an easy decision. Thanks XINSURANCE for covering us!" - Di P.
"Thanks for all your advice helping me through this process. I am the proud owner of a Personal Firearm Liability Insurance policy through XINSURANCE. It took some time to tweak the policy to fit my needs, but in the end it was well worth it." - Glenn P.
KNOW THE FACTS
From 2005-2010, almost 3,800 people in the U.S. died from unintentional shootings.
20% of nonfatal injuries occurred in the home
Associations
XINSURANCE is a proud member of the NSSF (National Shooting Sports Foundation).
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 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.
Related Materials
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See related blogs for Firearms Liability and Concealed Carry Insurance.
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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