Insurance Options for Concealed Carry Pistol Permit Holders

It is estimated that nearly 21.5 million Americans are currently licensed/permitted to carry concealed weapons. And with the 2022 U.S. Supreme Court decision in NYSRPA v. Bruen, we can expect that number to increase significantly. That landmark case stated that the Second Amendment guarantees citizens the right to bear arms outside their homes.

According to the Crime Prevention Research Center (CPRC), in 2024 8.2% of American adults had permits. That means nearly 21.5 million Americans are licensed to carry a firearm in the United States. Outside of the restrictive states of California and New York, about 9.8% of adults have a permit. Four states currently have over one million active permit holders: Florida, Georgia, Pennsylvania, and Texas. And interestingly, about 47% of Americans (over 157.6 million people) reside in “Constitutional Carry” states that allow handgun carry without a specific license.

There are now seven (7) major business entities which provide insurance coverage and legal services for CCW holders. These providers are listed below. We suggest, BEFORE you commit to any particular policy/membership, you comparison shop at least three different options. We also recommend you read the full 3400-word GunDigest Article that examines, in detail, the coverage offered by these seven companies:

U.S. Law Shield
U.S. Concealed Carry Assoc. (USCCA)
CCW Safe
Right To Bear
Armed Citizens Legal Defense Network (ACLDN)
Second Call Defense
Firearms Legal Protection

Factors to Consider When Choosing a Gun Insurance Program:

Attorney Fees and Expert Fees
The key benefit of any CCW insurance plan is coverage for attorneys fees. If you need a lawyer for a civil case or criminal defense, the fees pile up very fast. Good lawyers can charge $400-$500 per hour, and a trial can go on for many days. GunDigest explains: “If your case goes to trial you might find a bill that runs up to six figures.” You should check to see if a policy covers lawyer retainer, hourly fees, expert fees, AND potential damages.

Bail Bond Coverage
If you are involved in an incident, and an arrest is made, you want to avoid spending time in a jail cell. That’s why it’s important to have a CCW insurance plan that will quickly provide funding for bail bonds. As GunDigest notes: “bail-bond coverage is typically part of a sound concealed carry insurance policy”.

Multi-State Coverage
Gun laws vary among states, and state insurance laws vary as well. This affects the coverage an insurance program can and will provide. When choosing a policy, ask questions to determine how coverage may vary from state to state. With some programs you can purchase additional coverage for trips outside your home state. These can be time-limited for cost savings.

Policy Limits (Dollar Amounts)
When considering a CCW insurance program you need to look at the policy limits — the amount the program might pay to provide legal assistance and potentially settle a claim. You need to read the fine print here, just as you would with an automobile or home policy.

The detailed GunDigest article on CCW Insurance Coverage, notes that there are some additional factors to consider when choosing CCW Insurance:

“You’ll find there are other areas covered by some concealed carry insurance plans worth contemplating. Many of them fall within the policies themselves, however, some cost extra. In many cases, CCW policies go well beyond legal expenses and cover some other aspects you might not have considered:”

Crime Scene Clean Up Negligent Discharge Spouse And Family Self-Defense Property Damage

Firearms Replacement Work Loss Coverage Personal Use Of Firearm (non-defensive)