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June 29th, 2022

Seven Insurance Choices for Concealed Carry Permit Holders

CCW Law insurance

At least 19 million Americans are currently licensed/permitted to carry concealed weapons.* And with the recent 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.

CCW Carry permits 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 concealed carry ccw insurance u.s. law shield
U.S. Concealed Carry Assoc. (USCCA) concealed carry ccw insurance u.s. law shield
CCW Safe concealed carry ccw insurance u.s. law shield
Right To Bear concealed carry ccw insurance u.s. law shield
Armed Citizens Legal Defense Network (ACLDN) concealed carry ccw insurance u.s. law shield
Second Call Defense concealed carry ccw insurance u.s. law shield
Firearms Legal Protection concealed carry ccw insurance u.s. law shield

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)

* According to the NRA-ILA, the number of concealed handgun permits reached 18.66 million in 2019 – a 304% increase since 2007. And many more have been issued since 2019.

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June 29th, 2022

Smart Advice for CCW Holders — TEN Essential Tips

Beretta CCW Ten Tips Concealed Carry Guide Instruction book

Do you have a concealed carry permit, or do you plan to carry a concealed handgun in the future? Then you can benefit from Beretta’s FREE 15-page e-book, Ten Essential Tips for CCW Holders. This eBook, in handy PDF format, helps gun owners select an appropriate handgun (and holster), understand legal obligations and responsibilities, and train effectively with the firearm. This short eBook offers many useful tips to consider, in particular for gun owners who are contemplating the pros and cons of everyday carry for themselves.

CLICK HERE for 10 Essential Tips for CCW Holders »

As the Beretta CCW booklet says, “Carrying a concealed handgun requires a certain amount of confidence. You need to be confident in your knowledge of laws and regulations. You have to have confidence in your accuracy, and you need to trust that you can carry a gun effectively, securely and comfortably. If a gun is a burden for you to carry, you probably won’t.”

Surprising Facts About Actual Defensive Handgun Use
You may be surprised to learn when and how handguns are actually used for self-defense. Most defensive uses are at very short range and the incident only lasts a matter of seconds. You need to be prepared, and train to be proficient drawing and aiming your weapon. And remember, shooting is a last resort, when a safe retreat is not available.

55% of gunfights take place in 0-5 feet.
20% of gunfights take place in 5-10 feet.
20% of gunfights take place in 10-21 feet.
95% of gunfights take place in 0-21 feet. (Source: FBI)
The average man can cover 21 feet of ground in 1.5 seconds.
The average gunfight is over in 3-5 seconds.
3 to 4 shots are usually fired.
Most gunfights take place in low-light conditions.
On average, one shot in four strikes someone.

Here are two (2) sample pages from Beretta’s CCW eBook.

Beretta CCW Ten Tips Concealed Carry Guide Instruction book

Beretta CCW Ten Tips Concealed Carry Guide Instruction book

Beretta CCW Ten Tips Concealed Carry Guide Instruction book

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June 23rd, 2022

U.S. Supreme Court Strikes Down New York Gun Restrictions

U.S. Supreme Court SCOTUS new york nra bruen decision second amendment

In its first major Second Amendment decision in a decade, the U.S. Supreme Court has struck down a New York state law making it extremely difficult for law-abiding gun owners to obtain a carry permit. The case is New York State Rifle & Pistol Association v. Bruen et al. CLICK HERE to read the decision (135-page PDF). The case was a 6-3 decision, with justices Breyer, Kagan, and Sotomayor dissenting.

In the majority opinion of the Court, Justice Clarence Thomas concluded: “The constitutional right to bear arms in public for self defense is not ‘a second-class right, subject to an entirely different body of rules than the other Bill of Rights guarantees’. We know of no other constitutional right that an individual may exercise only after demonstrating to government officers some special need. That is not how the First Amendment works when it comes to unpopular speech or the free exercise of religion. It is not how the Sixth Amendment works when it comes to a defendant’s right to confront the witnesses against him. And it is not how the Second Amendment works when it comes to public carry for self-defense.

New York’s proper-cause requirement violates the Fourteenth Amendment in that it prevents law-abiding citizens with ordinary self-defense needs from exercising their right to keep and bear arms. We therefore reverse the judgment of the Court of Appeals and remand the case for further proceedings consistent with this opinion.”

In a concurring opinion, Justice Alito criticized the comments of dissenting justices, and stated: “All that we decide in this case is that the Second Amendment protects the right of law-abiding people to carry a gun outside the home for self-defense and that the Sullivan Law, which makes that virtually impossible for most New Yorkers, is unconstitutional.”

U.S. Supreme Court SCOTUS new york nra bruen decision second amendment

The Hill reports: “The decision to invalidate New York’s law throws into question the legality of similar restrictions in more than a half dozen other states that give licensing officials wide discretion over concealed carry permitting.

The New York law at issue required concealed carry permit applicants to demonstrate a special need for a license, beyond a basic desire for self-defense. In striking down the law, the court’s conservatives ruled that the so-called ‘proper-cause requirement’ prevented ‘law-abiding citizens with ordinary self-defense needs from exercising their right to keep and bear arms’.

The ruling broke along ideological lines, with the court’s six conservatives joining a majority opinion written by Justice Clarence Thomas.”

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April 8th, 2022

Constitutional Carry and Gun Carry Laws on Gun Talk Radio

Gun talk radio CC2 permitless constitutional carry Kirk Evans U.S. Lawshield podcast

Do you currently carry a firearm for self-defense, or are you considering getting a CCW permit? Then you should listen to Tom Gresham’s Gun Talk Radio this Sunday, April 10, 2022. Important issues related to firearms carry laws will be discussed. U.S. LawShield President Kirk Evans will be the lead guest on this Sunday’s radio show. Evans will discuss permitless carry, also known as “constitutional carry”, in American states. Evans, who directs the USA’s America’s largest legal service for gun carriers, will also discuss important distinctions between constitutional carry and carry with issued CCW permits.

This Gun Talk Radio show airs live on Sunday, April 10, at 2:30 PM ET. If you miss the Sunday broadcast, past broadcasts can be heard online via the GUNTALK PODCAST Site.

“Permitless or constitutional carry is on the minds of many Americans with the recent passage of legislation in Indiana, Ohio, and Alabama,” stated Evans. “With Georgia on deck to become the 25th state to make it law, people need to know what it means for them.”

“Lawful gun owners face potential risks as they reside in and travel through states with changing carry laws if they don’t understand how they apply to them,” said Evans. “We’ll discuss a broad overview of carry issues, plus which states are currently fighting for permitless carry and the educational Legislative Tour happening across the state of Georgia.”

Kirk Evans has more than 25 years of experience practicing law in Texas, focused on self-defense cases and constitutional issues. He has represented gun owners, instructors, ranges, and law enforcement and has reviewed and analyzed hundreds of self-defense cases. Evans is the author of several firearms legal publications, including Texas Gun Law: Armed And Educated.

Gun talk radio CC2 permitless constitutional carry Kirk Evans U.S. Lawshield podcast

About Gun Talk Radio
In its 27th year of national syndication, Tom Gresham’s Gun Talk radio airs live on Sundays from 2 PM to 5 PM Eastern and runs on more than 270 radio stations nationwide every week. Listen on a radio station near you or via live streaming.

Gun Talk Radio — Podcast Archive
If you miss the live show broadcast or Live Streaming, past broadcasts can be heard online via the GUNTALK PODCAST Site and Apple iTunes. The Gun Talk Podcast Archive has hundreds of past shows you can access online.

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July 17th, 2021

U.S. Concealed Carry Association Surpasses 600,000 Members

USCCA Concealed Carry Permit

The U.S. Concealed Carry Association (USCCA) has now surpassed 600,000 total members. That’s a 20% increase since the fall of 2020 when the USCCA hit 500,000 members. The USCCA’s membership growth has paralleled the huge increase in gun sales during 2020 and 2021. Last year the FBI ran 39.7 million firearm background checks — a new one-year record. And the FBI has processed 22.2 million firearm-related background checks so far in 2021.

With this remarkable rise in membership numbers, the USCCA is now the fastest-growing association dedicated to gun owners who carry firearms. Milestones achieved by the USCCA in 2020 include:

Trained an estimated 100,000 firearms owners
Certified 2,000+ new instructors and partners

Grew Ranks of instructors to over 5,000
Provided over 8,500 training books

USCCA Concealed Carry Permit

“We are committed to the training of all firearms owners, from those who have had the value of self-defense passed down for generations, to those who recently purchased their first firearm,” said said Tim Schmidt, president and founder of the USCCA.

What the USCCA Provides to Members

The USCCA helps gun owners prepare for what happens before, during and after an act of lawful self-defense. In addition to offering education and training, the USCCA provides self-defense liability insurance.

Insurance has been purchased by the USCCA and is one of the benefits of membership in the USCCA. USCCA members are “additional insureds” under a policy issued to the USCCA by Universal Fire and Casualty Insurance Company.

USCCA Concealed Carry Permit

The USCCA vs. Other Gun Organizations Offering Insurance

The USCCA is not the only organization offering liability insurance for gun owners and, in particular, CCW permit holders. This video analyzes the pros and cons of different insurance programs offered by three groups: USCCA, U.S. LawShield, and CCW Safe. If you are contemplating getting a CCW permit, you should watch this video.

More Information for Gun Owners with Carry Permits

Panteo Productions has released a series of FREE instructional videos for handgun owners. Co-sponsored by Ruger and Federal, the Handgun 101 video series covers handgun and ammunition nomenclature, handgun functions, basic shooting skills, and the key considerations for concealed carry. The three-part series includes: 1. Intro to Handguns; 2. A Concealed Carry Permit; and 3. Intro to Concealed Carry. All three videos provide valuable information on gun handling and legal issues. These videos are featured on the Panteao website along with other free videos, such as On the Range with Larry Vickers.

Panteo Handgun video concealed carry pistol free

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August 1st, 2017

One in 15 American Adults Has a Handgun Permit

Crime Prevention Resource Center John Lott CPRC Report 2017

The latest Crime Prevention Research Center (CPRC) study on concealed handgun permits reveals that over 16.3 million Americans now have them, and that the ranks of permit holders are becoming more diverse, with more women and minorities getting permits than ever before. The major findings of the 2017 CPRC report are summarized below. A copy of the report is available for download here.


CLICK for Full CPRC Concealed Carry Permit Holders Report »

There are now over 16.3 million gun permit holders, a record 1.83 million increase in permits since July 2016. Nationwide, 6.53% of adults have a concealed handgun permit. That’s roughly one in 15 adult citizens. Outside of California and New York, 8% of adults have a permit. The permit issuance numbers for women, Blacks, and Asians are increasing at faster rate than for men and Caucasions.

More guns, less crime — that’s the conclusion of the latest report from the Crime Prevention Research Center (CPRC). The CPRC Concealed Carry Report attributes some of the drop in crime rates to the fact that more Americans than ever before are carrying handguns for protection. In the past eight years, the number of concealed handgun permits has soared, growing from 4.6 million in 2007 to over 16.3 million this year. Overall, 6.53% of the U.S. adult population, i.e roughly one in fifteen American adults, now has a concealed carry permit.

Crime Prevention Resource Center John Lott CPRC Report 2017

Here are some interesting findings in the 2017 CPRC Report:

  • 6.53% of the total adult U.S. population has a weapons carry permit.
  • Last year, the number of permit holders grew by a record 1.83 million. This is more than the previous record increase of 1.73 million, set just the year before.
  • In 11 states, more than 10% of adults have permits. Alabama has the highest rate — 20%. Indiana is second with 15.8%.
  • In 14 states, a permit is no longer required to carry in all or virtually all of the state. This is a major reason why legal carrying handguns is growing so much faster than the number of permits.
  • In 2016, women made up 36% of permit holders in the 14 states that provide data by gender. Eight states had data from 2012 to 2016 and they saw a 326% faster increase in permits among women than among men.
  • From 2012 to 2016, in the five states that provide data by race over that time period, the number of black people with permits increased 30% faster than the number of whites with permits. Asians appear to be the group that has experienced the largest increase in permitted concealed carry.
  • Regression estimates show a significant association between increased permit ownership and drops in murder and violent crime rates. Each one percentage point increase in rates of permit-holding is associated with a roughly 2.5 percent drop in the murder rate.
  • States with the largest increase in permits have seen the largest relative drops in murder rates.

Crime Prevention Resource Center John Lott CPRC Report 2017 Handgun carry permit

Carry Permit Holders are Law-Abiding
Interestingly, Concealed handgun permit holders are extremely law-abiding. In Florida and Texas, permit holders are convicted of misdemeanors and felonies at one-sixth of the rate at which police officers are convicted. From 2014 data, police officers commit crimes at rate of 103 per 100,000 (national average) compared to 12.8 per 100,000 for permit holders in Florida and 22.8 per 100,000 for permit holders in Texas.

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September 22nd, 2015

Don’t Be Stupid at Airports . . .

TSA Security Airport Carry-On Seizure
This photo shows some of the handguns actually found by the TSA in carry-ons last year.

Here’s an important reminder to our readers who have concealed-weapon carry permits — don’t overlook your carry gun when traveling through airports. Many travelers with carry permits are forgetting weapons stashed in carry-on luggage. The TSA is encountering more firearms than ever, and those weapons are normally confiscated with their owners subject to penalties.

In 2014, according to TSA.gov, 2,212 firearms were discovered in carry-on bags at checkpoints across the country (that’s a 22% increase over 2013). Of those, 1,835 (83 percent) were loaded. Firearms were intercepted at a total of 224 airports.

CLICK to VIEW Actual Weapons Seized by the TSA at U.S. Airports.

Another problem is that Carry Permit holders may enter an airport with their guns still on their person. Here are actual examples:

A 94-year-old man attempted to enter the checkpoint at LaGuardia Airport with a loaded .38 caliber revolver clipped to his belt.

A loaded .380 caliber firearm was discovered strapped to the ankle of a passenger who walked through a metal detector at Cincinnati/Northern Kentucky International Airport.

A loaded .380 caliber firearm was discovered in the rear pocket of a San Antonio International Airport passenger during advanced imaging technology screening.

TSA Security Airport Carry-On Seizure

If you are traveling by air, make sure you remove all firearms from your person (or carry-on luggage), unload the firearm(s), place any weapon in a locked, hard-sided container, and declare them as checked baggage. Anything else can land you in jail.

Here are the TSA guidelines for transporting firearms as checked baggage:

  • Comply with regulations on carrying firearms where you are traveling from and to, as laws vary by local, state and international governments.
  • Declare all firearms, ammunition and parts to the airline during the check-in process. Ask about limitations or fees that may apply.
  • Firearms must be unloaded and locked in a hard-sided container and transported as checked baggage only. Firearm parts, including firearms frames and receivers, must also be placed in checked baggage and are prohibited in carry-on baggage.
  • Replica firearms may be transported in checked baggage only.
  • Rifle scopes are permitted in carry-on and checked bags.
  • All firearms, ammunition and firearm parts, including firearm frames, receivers, clips and magazines are prohibited in carry-on baggage.
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August 17th, 2015

Big Growth in Concealed Carry — 5% of Americans Have Permits

CCW Concealed Carry Permits Growing Handgun Permits

More guns, less crime — that’s the conclusion of a recently-issued report from the Crime Prevention Resource Center (CPRC). The CPRC Concealed Carry Report attributes some of the drop in crime rates to the fact that more Americans than ever before are carrying handguns for protection. In the past eight years, the number of concealed handgun permits has soared, growing from 4.6 million in 2007 to over 12.8 million this year. Overall, 5.2% of the U.S. adult population, i.e roughly one in twenty American adults, now has a concealed carry permit.

Here are some interesting findings in the 2015 CPRC Report:

  • 5.2% of the total adult U.S. population has a concealed carry permit.
  • The number of concealed handgun permits is growing at an ever-increasing rate. Over the past year, 1.7 million additional new permits have been issued – a 15.4% increase in just one single year. This is the largest ever single-year increase in the number of concealed handgun permits.
  • Five states now have more than 10% of their adult population with concealed handgun permits.
  • In ten states, a permit is no longer required to carry in all or virtually all of the state. This is a major reason why legal carrying handguns is growing so much faster than the number of permits.
  • Since 2007, permits for women has increased by 270% and for men by 156%.
  • Some evidence suggests that permit holding by minorities is increasing more than twice as fast as for whites.
  • Between 2007 and 2014, murder rates have fallen from 5.6 to 4.2 (preliminary estimates) per 100,000. This represents a 25% drop in the murder rate at the same time that the percentage of the adult population with permits soared by 156%. Overall violent crime also fell by 25 percent over that period of time.
  • States with the largest increase in permits have seen the largest relative drops in murder rates.


CLICK for Full CPRC Concealed Carry Permit Holders Report

CCW Concealed Carry Permits Growing Handgun Permits

Carry Permit Holders are Law-Abiding
Interestingly, concealed handgun permit holders are extremely law-abiding. In fact, police officers commit crimes at a higher rate (103 per 100,000, national average) than do concealed carry permit holders in Florida (12.8 per 100,000) and Texas (22.8 per 100,000).

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April 29th, 2014

Big Jump in Number of Concealed Carry Permits in USA

Be courteous to your fellow Americans — there’s a good chance that they might be packin’. Over the past few years, there has been a dramatic increase in the number of concealed carry licenses (CCLs) issued throughout the United States. In fact, according to the National Shooting Sports Foundation (NSSF) the number of CCLs has risen 29% in the short period from 2010 to 2012 (see chart). We can expect this trend to continue, because Appellate courts have recently ruled in favor of expanded carry rights in California and other states. For friends of the Second Amendment, that is a good thing.

Carry Permit Gun NSSF Trend Chart

Comments by Gun Owners
I’m a Defensive Firearms Trainer and in my state and in my community the number of people seeking training to get certified to obtain their permits is constantly on the rise.
— Chad K.

Good! America can only be safer with more law-abiding citizens carrying. I hope to see this figure increase steadily. — Matthew C.

Think about how much money those states that charge for permits make from those 9 million people each year. Maybe if New Jersey thought about that it would start to issue permits. — John P.

Bet the trend in violent crimes went down by at least the same rate. — Frank H.


Interactive Reciprocity Maps

Do you hold a Concealed Carry Permit or CCW license in your home state? Do you plan to travel to other states in the near future? Then you should determine whether other states will recognize your carry permit. You should study the law carefully so you understand your rights (and the limitations on your rights).

You can begin your research by consulting the Reciprocity Maps that are available online. There are many versions — and it’s wise to check more than one. We caution that not all the maps may be 100% up-to-date for all jurisdictions. We suggest you start with the map provided by USACarry.com. Read the detailed instructions.

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