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A New Hope for WA and NY Residents Who Lost Carry Insurance

Both Washington and New York state gun owners have had an interesting battle with concealed carry insurance companies like the USCCA and NRA Carry Guard. Those states have made it illegal for these companies to do business, hanging the gun owners there out to dry.

If you live in Washington and are a member of USCCA with coverage that's ending or has already ended, they will not renew your term. Here is a USCCA response from their forum, regarding Washington state coverage:

There is a loophole that we've figured out so you can still be covered in the event that you need to use your firearm in self-defense.

In fact, there are two things you can do and I'll just name them here, so I don't waste your time:

I do explain each option in more detail, including why CCW Safe works while the others will not, so it's worth it to keep reading.

CCW Safe:

To break it down as simply as I possibly can, CCW Safe is a membership program that is not insurance in the traditional sense of the word. The other big players in this arena, even if they say they're “not insurance” are to some degree treated like an insurance company.

USCCA, who has coverage running out for its Washington members, lists each member as a beneficiary. If you ever use your firearm to defend yourself, your coverage kicks in and causes you to be a beneficiary of that coverage.

Because they are a more traditional style insurance for their members, they are also more subject to regulations. And, as a result of this regulation, they can be made illegal in certain states like NY and WA.

In all honesty, this is likely just the swell before the wave as other states will attack however they can in the coming months.

CCW Safe, again, isn't like a traditional insurance.

For CCW Safe, which is a form of “captive insurance” there are no beneficiaries listed. When you need to use your firearm in self-defense they cut a check directly from their own bank account and are thus not held to the same regulations as a traditional insurance is.

Here is a paragraph I pulled from Wikipedia, describing captive insurance in more detail:

Captive insurance is an alternative to self-insurance in which a parent group or groups create a licensed insurance company to provide coverage for itself. The main purpose of doing so is to avoid using traditional commercial insurance companies, which have volatile pricing and may not meet the specific needs of the company. By creating their own insurance company, the parent company can reduce their costs, insure difficult risks, have direct access to reinsurance markets, and increase cash flow.

Therefore, CCW Safe doesn't fall to traditional regulations because they take on all the financial burden themselves and cannot currently be kicked out of those states. This means that if you live there, or one of the other states who will undoubtedly go after “concealed carry insurance” companies, CCW Safe is your best option.

We just recently wrote up a comparison between CCW Safe and the USCCA that you can read by pushing on that link. And of course, our in depth insurance chart compares all the big players.

Hire a lawyer:

The other option, is to hire a lawyer for yourself and keep him/her on retainer. This is a viable option for you, but can be pretty expensive. Just to get the attorney to agree to work for you can cost several thousands of dollars–before the case even starts.

And then if you go over your retainer fees you have to keep paying.

We've put together some guidelines that you can follow, here, that'll help you on your journey to finding a good lawyer.


There are options if you've been made unable by no fault of your own to use one of the companies who can no longer insure in certain states. As of right now, we're taking the opinion that CCW Safe is the best option, with finding your own lawyer a distant second.

However, even that is better than nothing. Let us know your thoughts in the comments below.

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