Carrying a concealed weapon provides additional protection for you, your family, and your property. After completing the proper training, most people are able to carry a firearm safely and without incident. However, if you ever need to use your weapon for self-defense or protection, you may face some legal headaches, including criminal charges or civil suits for damages. This can be devastating to your finances, but you can mitigate some of the losses by carrying concealed carry or self-defense insurance.

A Guide to Concealed Carry Insurance

What is Concealed Carry Insurance?

Concealed carry insurance is a type of policy that covers the costs associated with legal action if you have to use your firearm for protection. Depending on the coverage, you can receive compensation or assistance with bail bonds if you are arrested, attorneys fees, and civil damages.

It will also help you find a qualified attorney, and provide expert witnesses should you need one to testify on your behalf. You can also be reimbursed for mental health services after an incident, as well as for compensation for lost wages or other expenses while your case is ongoing. Most policies also offer ongoing training and education.

Are There Different Types of Insurance?

Concealed carry insurance is not usually a part of your standard homeowners insurance policy. In fact, your specific homeowners insurance may have a clause that excludes coverage for “wrongful acts,” including self-defense using a firearm.

Concealed carry insurance can be purchased directly from a company that specializes in this type of coverage. Another option is to become a member of an organization that provides group legal defense funds. Unlike traditional insurance, which charges premiums based on the assumption that you’ll never need to make a claim, group funds pool all of the members’ fees, which can be used to pay for the services of preselected attorneys. 

You can also receive financial assistance and access to resources for help after an incident by becoming a member of the U.S. Concealed Carry Association (USCCA®), which includes Self-Defense SHIELD protection as a benefit of membership. Joining such an organization also provides access to additional training and other resources to improve firearm safety.

Shooter’s Firearms & Indoor Range in Columbia, IL, is a full-service indoor shooting range where you can learn proper firearm handling techniques in a safe and controlled environment. They offer both 15-yard and 30-yard ranges for handguns and long guns, as well as training classes, shooting competitions, and access to programs like the USCCA. Learn more about this range online, and call (618) 281-6393 to reserve a lane.