Comprehensive Concealed Carry Insurance Solutions
Your firearm protects you physically. Insurance solutions can protect you financially.
Get StartedLocked, Loaded, and Liability Covered: Your Triple Layer of Firearm Assurance.
Don’t just be locked and loaded. Add the third layer — liability coverage. We find you firearms insurance solutions to complete the trio, ensuring you’re prepared, protected, and responsible.
Why Should You Have Concealed Carry Insurance?
As a responsible gun owner, acquiring concealed carry insurance and firearms liability insurance solutions is a wise choice to protect your financial and legal interests. Accidents, including accidental discharge, can happen despite exercising caution, and liability solutions can cover damages and injuries caused by your firearm.
For those with a concealed carry permit, this solution 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 solutions, you exercise responsible gun ownership and mitigate potential financial and legal repercussions related to the use or carrying of your firearm.
At XINSURANCE, we can help you find a solution that works for you. We consider your unique situation to uncover the ideal solution and coverage limits.
Disclaimer: This solution may not be available in every state depending on local and state laws. Please contact us for more information.
Who Should Consider Concealed Carry Insurance?
- Any gun owner
- CCW permit holders
- Firearm instructors
- Hunters
- Armed guards
- Police officers
- Gun shops
- Business owners
- And more
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.
*Disclaimer
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.
FAQs About Firearms and Concealed Carry Insurance
Why Should I Get Concealed Carry Weapon (CCW) Insurance?
Concealed carry insurance, also known as CCW or firearm liability insurance, provides vital protection beyond your home, extending to incidents that may occur in public spaces. This type of insurance not only supports responsible gun ownership but also mitigates potential financial and legal repercussions.
Is Concealed Carry Weapon Insurance Legally Required?
No state currently has a law requiring you to carry insurance, but these laws could change. Even without a legal requirement, it’s worth considering this solution as a gun owner for the financial protection and peace of mind it can offer.
Does Homeowners Insurance Cover a Self-Defense Shooting?
Many homeowners insurance policies have coverage restrictions for “intentional acts.” These acts include firing a gun, even if you do so in self-defense. Some plans cover damage caused by using “reasonable force,” but this coverage is rare.
How Much Does Concealed Carry Insurance Cost?
Concealed carry insurance costs vary based on factors such as coverage limits, policy features, and individual circumstances. We uncover solutions that 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 a plan that aligns with your requirements.
How To Get A Quote
Request Your Quote
Click the button below to get started on your quote
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
Concealed Carry and Firearms Liability Insurance FAQs
What Is Concealed Carry Insurance?
This insurance solution offers financial assistance up to policy limits to cover the various expenses you may face after a self-defense discharge in the event of a covered claim.
XINSURANCE finds 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.
A self-defense shooting may result in several situations, including:
- Confiscation of the firearm
- Detainment by the authorities
- Hiring a lawyer
- Paying bond
- Loss of income during legal proceedings
- Criminal and civil litigation
How Does Firearm Liability Insurance Work?
This type of firearm liability insurance is designed to protect against financial losses from accidents or incidents involving firearms. We can identify coverage solutions that may help provide financial protection in scenarios including allegations of negligence and, if needed and warranted, legal self-defense.
This solution may provide coverage for things like bail bonds, loss of income, and attorney fees up to policy limits in the event of a covered claim. At XINSURANCE, our experts work with you to find a tailored solution that meets your requirements.
Our firearms liability insurance solution may serve homeowners, security professionals, law enforcement, businesses with armed employees, and more!
What Insurance Solutions Are Available for the Firearms Industry?
No matter what business you’re in, if it involves firearms, a lot of risks are involved. That’s why countless businesses in the firearms industry come to XINSURANCE. They want true coverage and true peace of mind. We’re able to find 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?
XINSURANCE works with you to find solutions for even the most difficult risks. Come to us if an insurance company has refused coverage or stopped covering you. We also help those with a claims history find a solution.
Get a CCW Liability Insurance Quote From XINSURANCE Today
Trust our team at XINSURANCE to help you find an all-in-one firearm liability insurance solution that will meet your unique protection requirements.
Request a free quote. We’ll review your details and work to find customized coverage solutions to suit your particular needs.
Armed American Radio and XINSURANCE
Now featured on Armed American Radio with Mark Walters! See the latest news and our featured article.
This program broadcasts live across multiple states and is available to listen to on various podcast platforms.
Know the Facts
Each year, nearly 500 people die from unintentional firearm injuries in the United States — more than one person every single day.
Among those who have firearms and a child at home, up to 41% of American gun owners keep at least one loaded firearm stored unlocked.
About 72% of U.S. gun owners say that protection is a major reason they own a gun, but about 47% of Americans say gun ownership does more to decrease safety.
What our clients say
Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.
THIS IS INSURANCE I CAN TRUST TO PROTECT ME!
– Dave H.
They are amazing and always there to help you if you have any questions or concerns.
– Arlene A.
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.
– Leslie A.
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
TRU Homeowners
There’s a wide range of reasons why your homeowners policy may not be able to offer you sufficient coverage. Fortunately, XINSURANCE can offer TRU Homeowners solutions to cover wind, floods, earthquakes, mudslides, wildfires, and more.
Security Guards
We provide customized insurance solutions for security guards including armed guards and bodyguards. We can also help security professionals and companies regardless of experience level or claims history.
TRU Umbrella
TRU Umbrella coverage is customized to fit your unique needs by filling the gaps and covering the exclusions in your primary policy for work, home, and play.
