[Review] CCW Safe Self Defense Insurance, Read Before Joining
We think every concealed carrier should consider self defense insurance. These products cover associated legal fees in the event you need to defend yourself against criminal or civil legal action.
Table of Contents
CCW Safe Self Defense Insurance —
To clarify, I use the term “insurance” when discussing CCW Safe and other similar products, even though the product may not fit a legal description of insurance. These plans function like insurance, so we refer to them as “self-defense” or “concealed carry insurance.”
Our company has always taken pride in doing deep research into the companies in this now very competitive space and CCW Safe is no different. I've been to the corporate headquarters for many of these companies and call owners, founders, or top-level leadership friends for most of them.
I'm not trying to brag, but I want you to understand that I'm uniquely qualified to have an opinion on the topic having read the actual membership agreements word by word from these various companies and having interviewed many members who have “filed claims.”
The Important Things Are Often The Things You Can't Put In A Comparison Chart
For the last 5 years, we have hosted on our site the most comprehensive, non-biased, comparison chart in the industry. So, if researching multiple insurance policies and comparing their differences sounds as fun as a dinner date with the women of “The View”, I have good news. We've done a lot of the heavy lifting with comparison.
Our comprehensive chart shows all the important differences between all the major players in this space and you will find the full chart down below in this article. However, the purpose of this article is to take a deeper look at CCW Safe and maybe give you some insights into things we can't really put into a chart.
CCW Safe, Born From Experience in Self-Defense Shootings
CCW Safe began as co-founders Mike Darter, Kyle Sweet, and Stan Campbell considered the challenges that face a citizen forced to defend themselves in court because of their use of force. Mike and Stan used deadly defensive force during their Law Enforcement Careers, and Kyle, a two-time National Attorney of the year has years of experience defending officers in use of force cases and is a former law enforcement officer himself.
These men realized that officers needed experienced legal representation after a use of force incident. However, limited options existed for the citizen concealed carrier.
Put differently, when the leadership of CCW Safe sits down to consider what benefits they will provide their members and how they will serve and support someone who is involved in a critical incident, they do so with the experience that comes from having shot at people and been shot at themselves. Not only have they been in those incidents, but Mike Darter dealt with a lawsuit over his use of force as an officer.
Who Answers Your Phone Call?
Perhaps one of the most important things I can share about CCW Safe is the answer to this question. When you call the 1-800 “HOTLINE” for CCW Safe, the person who is first in line to answer the phone is an attorney. Not just some attorney who couldn't hack it in the private sector. Don West.
Don West is, at the time of this writing, CCW Safe's National Trial Counsel, and widely considered as one of the best criminal defense attorneys in the country. You may be familiar with his name in association with the George Zimmerman trial in which Don was the co-counsel for the defense.
Listen to this podcast episode with CCW Safe National Legal Counsel Don West and find out what really goes into a self-defense trial.
If Don can't answer, don't worry. The call will route one by one to the rest of the critical response team, which comprises 2 other highly experienced attorneys and 2 retired homicide detectives.
CCW Safe competitors ALL have some sort of hotline 1-800 number but from my experience and research, nobody else is connecting you with people as extremely experienced and familiar with your situation as CCW Safe.
Boots on the Ground
One other thing I have found highly unique and valuable about CCW Safe is their approach to “boots on the ground.” From their experience as investigators and attorneys, they understand the high value of getting out in front of legal challenges as fast as possible.
To do this, when a call comes in from a member (or the family of a member) to report an incident, they immediately decide about what local resources they need to maximize a positive outcome. In any serious incident, like one in which shots are fired and someone may is injured or killed, they dispatch members of their response team to the locale.
A few years ago, I interviewed Stephen Maddox (listen to the interview here) and he told me that CCW Safe team members got to the city where the incident took place within 12 hours, despite it being on a weekend. Within 36 hours, the CCW Safe critical response team had secured a competent local attorney, met with Stephen's family and employer, and had discussions with local law enforcement and investigators about the incident.
I feel great about being a member of CCW Safe because their competitors limit themselves to finding you a lawyer and then writing checks. CCW Safe goes beyond writing checks and gets hands-on quickly to maximize the odds of success and to assist you with every aspect of the aftermath that you might not have otherwise thought of.
How Does CCW Safe Coverage Compare to the Competition?
Now that I've highlighted some of the “features” I think are hard to put into a chart, let's talk about the more traditional benefits you may be familiar with in relation to this kind of service.
Obviously, you must decide what things are most important to you and your specific needs. Also, when comparing different companies, it's important to look at more than just the coverage amounts. You should also take into consideration other ancillary expenses. For example, if a plan has high coverage for attorney fees, but not for expert witnesses, you may reconsider that plan. A self defense case has many facets, and you want to use everything in your defense. Here is a good chart from the CCW Safe website that breaks down how much money gets spent on these unique elements of your defense.
Chart courtesy of CCW Safe
Below I'm going to share our BIG “Comparison Chart” but let me first call out some places in that comparison where CCW Safe really shines:
- Unlimited Attorney fees in both criminal and civil defense
- Highest bail bond coverage in the industry
- No Recoupment clause. A recoupment clause is a clause in the member agreement that allows the provider can come after the member to recover all the expenses paid out on their behalf should a court find the member guilty of a crime. I know that sounds ridiculous but some companies have such a clause. Luckily, CCW Safe isn't one of them.
- Red Flag coverage. If you are served with an “extreme risk protection order” and need legal representation, CCW Safe will cover that like any other incident.
- Your family members are also covered inside your home if they should need to use force.
And one last thing to point out before you engross yourself in the comparison chart below…
While the below chart focuses on the most expensive, top-tier, plan each company sells, CCW Safe has some amazing coverage with their lower-cost plans and I'll share some of those details further below in this review.
Side-by-side comparison of all major self-defense coverage plans—
| Armed Citizens LDN | CCW Safe | Firearms Legal Protection | Right to Bear | Second Call Defense | US Law Shield | USCCA | |
|---|---|---|---|---|---|---|---|
| Click Here | Click Here | Click Here | Click Here | Click Here | Click Here | Click Here | |
| Cost | $105 p/yr (+ Setup fee) | $519 p/yr | $19.95 Setup/Person; $21.95/mo, $239/yr | $11/month & $125/year | $34.95 p/mo or $399 p/yr | $19.95 Setup, $10.95 p/mo or $131.40 p/yr | $499 p/yr |
| Insurance? | Not Insurance | Insurance Backed | Varies by state | Insurance Backed | Varies by State | Insurance Backed | |
| Bail Bond Assistance | No Limit | $150,000 | $25,000 | Additional Fee | $25,000 | Varies by State | $100,000 |
| Choose Your Attorney | You Choose | You Choose - They Approve | You Choose | You Choose | You Choose | They Choose | You Choose |
| Criminal Defense Attorney Fees | No Limit | No Limit | No Limit | No Limit | Up to $150,000 | No Limit | No Limit |
| Civil Defense Attorney Fees | No Limit | No Limit | No Limit | No Limit | Up to $1,500,000 | No Limit | No Limit |
| Civil Damages | No | Up to $1,500,000 | No | No | Up to $300,000 | No | Up to $2,000,000 |
| Recoupment Clause | No | No | No | No | No | No | Yes |
| Appeals Covered? | Yes | Yes | Yes | Yes | Case by case | Yes | Yes |
| Any Legal Weapon | Yes | Yes | Yes | Yes | Any Legal Firearm | Yes | Yes |
| Expert Witnesses | Yes | Yes | Up to $10,000 | Yes | Yes | Varies by State | Yes |
| Red Flag Law Coverage | No | Yes | Yes | No | No | Yes | Members might be eligible for coverage by "Legal Defense Foundation" |
| 50 State Coverage | Yes | Yes | Yes for all Premium Plans | Additional Fee | Yes | Additional Fee | Yes |
| Ongoing Training & Content | Online Video & Monthly Journal | Online Content, Newsletter | Newsletter, online content, discounts w/ partners | Online Training & Tips | Newsletter, online content, videos | No | Protector Academy |
| Available Nationwide? | Yes | Not available in NY, NJ, & WA | 44 States | Not available in NJ, NY, & WA | Not available in NY, NJ, & WA | Not Available in AK, CT, DE, ME, NY, & RI | Not available in NY, NJ, & WA |
| 24/7 Emergency Hotline | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Spouse/Family Covered? | Additional Fee | Covered in Home / Add. Fee Outside | Additional Fee | Additional Fee | Additional Fee | Additional Fee | Covered in Home / Add. Fee Outside |
| Payout Upfront or Reimbursement | Upfront | Upfront | Upfront | Upfront | Upfront | Upfront | Upfront |
| Post-Incident Firearm Confiscation | No | Replacement Program | Replacement at MSRP | Yes | Replacement Program | No | Covered under $10,000 "incidental expense allowance" |
| Lower Cost Plans Available? | No | Yes | Yes | No | Yes | No | Yes |
| Ongoing Attorney Access | No | No | Yes | Yes | Yes | Yes | Yes |
| Compensation While in Court | No | $1000 / Day | $300 / Day, Max of $1500 | No | $500 / Day | No | $750 / Day |
| Psychological Support | No | 40 Sessions up to $150 per hour | Yes | Yes | 40 1-hour sessions | No | None |
| Personal Hardship Coverage | No | $4000 in Clean-Up Fees | $5000 in Clean-Up Fees | No | $2000 in Clean-Up Fees | No | Up to $10,000 (combined with firearm replacement) |
| Funeral Expense Reimbursement | No | $15,000 | No | No | No | No | No |
| Click Here | Click Here | Click Here | Click Here | Click Here | Click Here | Click Here |
What Stuff Doesn't CCW Safe Cover?
This review wouldn't be genuine if I didn't also point out some potentially important things your CCW Safe Membership won't cover.
- Force used against other family members
- Force used against people who are in member's house with permission or by invitation, excluding servicemen, delivery, contractors, etc…
- Any force that is not in self-defense
Weighing The Pros and Cons of CCW Safe Plans —
CCW Safe offers the most comprehensive coverage in the areas you need in court. A professional team that is top in their field of expertise and customer service is what they have. They aren't an insurance company or marketing agency full of bureaucracy that is trying to make a few bucks from gun owners; they are a bunch of guys who have experienced the emotions and pressures that come after a use of deadly defensive force.
CCW Safe’s plans are competitively priced, and in my estimation, provide better value on the whole.
Some people voice a fair objection to CCW Safe’s lack of coverage where the member uses force against a family member, former/current domestic partner, or someone who is in the home with permission. Some people have special circumstances where someone from one of these classes of people represents a more likely threat to the member than a random dirtbag.
If you fall into this category, reach out to CCW Safe to ask questions pertaining to your specific situation. Questions about how spousal abuse, active protection orders, and other specifics would affect your membership are best directed to the team at CCW Safe.
One other drawback that competitors often point out about CCW Safe is their contractual ability to choose or approve your attorney. That is true. Most of the other competitors will allow their members to pick any attorney they want.
CCW Safe reserves the right to vet the attorney you choose to ensure they are competent in the practice of the relevant field of law. This doesn't bother me personally because I've seen that process in action and I'm confident in their ability and desire to help me get quality legal representation.
What Insurance Plans Does CCW Safe Offer?
First, if you live in New York, New Jersey, or Washington State, your state prohibits a company like CCW Safe from providing self-defense coverage. The only exception is for Law Enforcement Officials living in New York. Thankfully, I don't live in one of those states.
If a CCW Safe membership is making sense, let's look at the unique plans they offer.
CCW Safe has two categories of plans:
- Permit plans: Plans for those who have a concealed carry permit
- Non-Permit plans: Plans for those who live in a “constitutional carry” state where no permit is required to carry a concealed firearm
- HR-218 Plan: Plan for active, retired, and former law enforcement officers who carry under the HR-218 law
Permit Plans —
CCW Safe offers 2 different Permit Plans to suit someone with a concealed carry permit or license.
The Defender Plan is very affordable at only $19 a month and is often the plan I recommend for anyone who is looking for an economic option. Unlimited defense coverage for only $19 a month is amazing.
The Ultimate Plan, which is what I currently have, gives you the most comprehensive package and for those who are married and want their spouse to have similar coverage, the Ultimate plan is a no-brainer.
| Plan Name | Defender Plan | Ultimate Plan |
|---|---|---|
| Cost Per Month | $209 / Year - $19 / Month | $519 / Year - $47 / Month |
| Criminal & Civil Defense Costs | Unlimited | Unlimited |
| Investigation & Expert Witness Fees | Unlimited | Unlimited |
| Bond Coverage | $500,000 Bond Coverage for Primary - Spouse is additional | $1,500,000 Bond Coverage for Primary - Spouse is INCLUDED |
| Civil Liability | Additional $220 / Year | $1,500,000 |
| Add Spouse Coverage | Additional $100 /Year | Included |
| Red Flag Law Coverage | Up to $5,000 | Up to $10,000 |
| Lost of Wages during trial | Up to $250 / Day | Up to $1000 / Day |
| Professional Counseling Sessions | Up to 10 session (up to $1500) | Up to 40 sessions (up to $6000) |
Law Enforcement / Military Plans —
CCW Safe is the only competitor in the industry that has tailored plans just for active and retired law enforcement officers and members of the US military. These plans provide a competitive and more economic option to those who come with experience and training to deal with high-stress dangerous scenarios.
Officers carrying under HR-218 could choose either plan, but active military or honorably discharged military veterans would be restricted to the Protector Plan.
| Plan Name | Protector Plan | HR-218 Plan |
|---|---|---|
| Cost Per Month | $179 / Year - $16 / Month | $399 / Year - $37 / Month |
| Available to: | Active/retired military or law enforcement, and honorably discharged military veterans WITH a permit | Active, Retired, and Former Law Enforcement carrying under the HR-218 law |
| Criminal & Civil Defense Costs | Unlimited Coverage | Unlimited Coverage |
| Bond Coverage | $500,000 Bond Coverage for Primary - Spouse is additional | $1,000,000 Bond Coverage for Primary - Spouse is additional |
| Civil Liability | Additional Cost | $1,000,000 |
| Add Spouse Coverage | Additional $100/Yr | Additional $100/Yr |
| Red Flag Law Coverage | Up to $5,000 | Up to $5,000 |
| Professional Counseling Sessions | Up to $1,500 | Up to $1,500 |
| Loss of Wages during trial | Up to $250 / Day | Up to $250 / Day |
Non-Permit Plans —
CCW Safe tailors the non-permit plans for those in constitutional carry states or someone who only has a gun for home defense. Just like the permit plans, residents of New York, New Jersey, and Washington states are ineligible for coverage.
These plans are similar in coverage to the plans available to those with a permit but with slightly more cost. If you live in a constitutional carry state I would recommend obtaining your state's permit anyway both for the reciprocity benefits and because it will give you access to the CCW Safe permit plans I reviewed above.
| Plan Name | Home Defense Plan | Constitutional Carry Plan | Freedom Plan |
|---|---|---|---|
| Covered | In the residence only | Everywhere | Everywhere |
| Cost Per Month | $299 / Year - $27 / Month | $299/ Year - $27 / Month | $609/ Year - $55 / Month |
| Criminal & Civil Defense Costs | Unlimited | Unlimited | Unlimited |
| Investigation & Expert Witness Fees | Unlimited | Unlimited | Unlimited |
| Bond Coverage | $250,000 Bond for Primary, Spouse, and Children under 18 | $250,000 Bond Coverage for Primary - Spouse is additional | $1,000,000 Bond Coverage for Primary - Spouse is INCLUDED |
| Civil Liability | Additional $220 / Year | Additional $220 / Year | $1,000,000 |
| Add Spouse Coverage | Included | Additional $100 /Year | Included |
| Red Flag Law Coverage | Up to $5,000 | Up to $5,000 | Up to $10,000 |
| Lost of Wages during trial | Up to $250 / Day | Up to $250 / Day | Up to $350 / Day |
| Professional Counseling Sessions | Up to $1500 | Up to $1500 | Up to $6000 |
How Much Money Does CCW Safe Cost?
Depending on the plan you choose, between $16 and $55 a month to start plus any add-ons you purchase to your plan. Scroll up again and review the different plans and identify which might best serve you.
Also consider, members of Guardian Nation (which also costs money) get a 20% discount on CCW Safe membership. Guardian Nation membership features the best online training programs, discounts, and access to gear and products in the industry. Combined with CCW Safe, you get the Knowledge, Skills, Gear, and Coverage you need.
Which CCW Safe Plan is Best?
It is impossible for me to tell you which plan suits your needs best. My recommendation is to look at the plans and narrow them down to two options based on your specific circumstances. Then contact the team at CCW Safe and let them guide you into the perfect plan for you and your family.
Would I Use CCW Safe?
The simple answer is yes. I am a member of CCW Safe. I choose CCW Safe because I think it is the best product, at the best price. If I needed to call anyone to help me or my family after using force, it would be the guys at CCW Safe.
[Review] CCW Safe Self Defense Insurance, Read Before Joining
We think every concealed carrier should consider self defense insurance. These products cover associated legal fees in the event you need to defend yourself against criminal or civil legal action.
Pros
- Experience
- Comprehensive
- Competitively Priced
- Several Plan Choices
- No Recoupment Clause
Cons
- More Expensive Than Others
- Will Not Cover Force Against a Family Member
Great explanation of coverages, although I detect some bias. I’m not saying that is bad, but it is there.
At the present time I have USCCA, and I have US Law Shield through my employer. I am a certified NRA pistol and CCW instructor. I tell all of my students that they need to look into carry insurance. I advise them that there are numerous choices and that they need to do some homework before choosing a company.
In my opinion CCW Safe and USCCA are the top tier of all of the available products out there. I like the training that USCCA offers online and their Concealed Carry magazine is great. I do not like the “recoupment clause” at all. I live in a state that in most instances you are GUILTY if you have to defend yourself, so I have that going for me.
I am on the fence right now as to whether I should move to CCW Safe or stay with USCCA. I have to do my homework now.
I appreciate Jacob’s insights and all of the CocealedCarry.com articles, reviews and information.
Thank you.
John, I do have a biased opinion. I suppose it is going to come through no matter what I do but hopefully I’ve also presented facts here that regardless of my opinion present valuable information for anyone doing the research.
Being unbiased is important before making a decision, but after determining the right choice, naturally one will be biased towards that choice because of reasons.
Hello. In a video about misconceptions about USCCA, they state that it is illegal for an insurance to cover an illegal act. I don’t remember if they referred to their recoupment clause specifically in that context, but I infer that is what was being explained. Could you explain in view of CCW not having a recoupment clause.
My guess is it is because “the [CCW] product may not fit a legal description of insurance”, and the laws constraining a insurance company do not apply on this point. Is that it?
Thank you.
Brian you nailed it. A member of CCW Safe is not on a policy. They are not insured by an insurance company. They are entitled to membership benefits which CCW Safe can define however it wishes.
Great overview. Many thanks. I currently have USCCA coverage and just learned to my disappointment of their position of recoupment. Ugh. Thinking now about canceling and re-upping with someone else.
I’m not one to jump on something this important without reviewing, and weighing all the options. I’ve been thinking about CCW Safe for awhile since Ryan Cleckner (GunUnv) put out his review. I am a USCCA member and did not know (or maybe forgot) about the “Recoupment” clause. I need to see this for myself. Thanks for the homework!
Yep, it’s there! Section 3. I. Recovery or Recoupment. Look for yourself! I also found it interesting in Section 1 E. It states that they have the right to vet the attorney you choose. Just like CCW Safe.
Read it for yourself on their website. Scroll all the way to the bottom of the page. There you will find a pdf self-defense policy link. Now I really have some think to do.
Thanks again for bringing this to our attention. 👍
I just wanted to say that I have been looking at USCCA for a while now. What I like are the higher policy limits for civil liabilities and more straightforward pricing (just 3 levels). What I don’t like is the lack of transparency and gimmicks like free stuff to get you to buy.
CCW SAFE seems more forthcoming on issues and honest, which I like. A three-level pricing system which included civil liabilities on all levels like USCCA and they would absolutely own the market, blowing the competition out of the water!
Very informative. I found myself here because I have an FOP meeting in NYC coming up and the guest is a representative from CCW-Safe. I’m confused though because your article states such coverage is not available in NY, your chart shows a company Armed Citizen LDN has nationwide coverage, and my FOP lodge email states your CCW-safe is the only game in town in NY. Am I missing something here?
Sam, this article is primarily intended for non-LEOs. CCW Safe does offer coverage and plans nationwide, including in New York, to members of law enforcement.
So I tried to leave a comment last night and it looked OK, but now it’s gone, so perhaps not.
I was considering USCCA because of price and the training materials. However, the recoup clause and the fact that they won’t cover any appeals is bothersome to me. The whole US legal system is so screwed up that I don’t trust that even if did everything properly, I might still be found guilty.
So just to confirm that CCW Safe will continue to cover if found guilty for an appeal and there is no recoup. Also, in that same vein, how is CCW Safe able to offer that feature when USCCA can’t?
FYI, the article says that USCCA doesn’t handle appeals, but the chart says they do… an error in the chart?
Jon, the article is somewhat outdated but we keep the chart updated. USCCA does now say they cover appeals so that shouldn’t dissuade you from their product. Their recoupment clause is a challenge because they are registered as an insurance broker/seller. They tell me that the law requires a company regulated by that industry to have such a clause. CCW Safe is not a licensed insurance broker/seller. They aren’t bound by the regulations of that industry. Hope that helps!
Jacob, thanx for the clarification. So, what is it that makes CCW Safe different from USCCA concerning the recoupment clause? Back to the chart, it says that both organizations are insurance backed.
Jon, it is a confusing thing as to how the USCCA communicates. They readily will tell me they are NOT an insurance company and then also tell me they can’t do x or y because they are an insurance company. From the perspective of the public they always claim to not be an insurance company. They are not isuing an insurance policy to a member. They themselves have a policy and the member is just a member entitled to membership rights. Yet, behind the scenes when I talk to them about the policy changes and membership changes they have been frank in telling me they have made some changes because of the way the insurance industry is regulated and because they themselves have sought out a license to be an insurance broker. I’m sure its all very on the up and up. I’m not claiming any deceit or intent to deceive, just pointing out that the legal structure on their end appears to be complicated. CCW Safe is not complicated. They have a membership product. They back that up financially by owning a captive insurance that backs up that membership product. Then their captive insurance is also insured by a 3rd party. Perhaps its also somewhat complicated but it seems consistent and more importantly they are not regulated by insurance regulations and don’t have those restrictions in place.
Jacob, thanx for the reply. Yes it is confusing. I truly like USCCA’s approach and features, but the recoup clause bothers me. Perhaps I’m over thinking it, but except for that, I’d probably go with them. CCW Safe seems more simple, but their costs for covering me and my wife are significantly higher and they don’t have the focus on training that USCCA has.
Fair comment. Difficult decisions for some. I guess you have to decide what is most important to you. One potential consideration is the Guardian Nation members receive a 20% discount on CCW Safe membership. Of course you then have to pay for Guardian Nation membership but it comes with more training elements and other benefits than the USCCA plans do. Just a thought 🙂
Does Ccw safe cover you while attending church if nut job comes in shooting.
Byron, yes. Though to be frank any of their competitors would as well.
Which policy/company would cover incidents in “gun free zones”?
These safe space boundaries are ever expanding and you can often get into a no-no area without knowing. Some places won’t allow carry within about a quarter mile of a school or a park, so a rabid prosecution could go after someone a block or ten blocks away from said park and companies like CCW Safe say they will not defend you if you defend yourself in a gun free zone. In my own city they’ve made large sections of the city into these safe spaces.
The only option I’ve found that states they do is Attorneys for Freedom ($35/mo), but would like to know if there are other/better options. CCW Safe was probably my top choice until I saw they excluded these gun free zones.
Bob, I just contacted CCW Safe to clarify their policy. They will cover you in most gun free zones. They won’t defend you for charges relating to being in the gun free zone but they will defend your self-defense related incident while you are in the gun free zone. Exceptions would be federal charges like if you carried into a Post Office for example. That kind of felony charge will make it very difficult to defend you. That said if you are in a private property that is posted as a gun free zone they would certainly cover you.
I recently joined CCWSafe and selected the Ultimate Plan. We both have concealed carry permits in our state of residence.
I was a USCCA Elite member for 10 years and decided to switch to CCWSafe after learning of their plan offerings. I was bothered that USCCA had a recoupment provision in their member agreement. As I explored further I saw the comparison between the two companies favored more for CCWSafe. The benefits and coverage offered under the CCWSafe Ultimate plan was superior to what I had as an Elite member with USCCA. My only regret was that I had not made the change to CCWSafe sooner. So glad I decided to make the transition to CCWSafe.
I recently became a CCWSafe member. My wife and I each have concealed carry permits in our state of residence. We selected the Ultimate Plan with CCWSafe since it has comprehensive coverage and was the best plan suited for our protection needs.
I was a 10 year Elite member with USCCA before converting to CCWSafe. I was happy with USCCA but decided to leave when I learned that they have a recoupment provision in their agreement. I was especially disturbed learning of the Kayla Giles incident involving this USCCA member and how USCCA handled her self defense claim and payment of her legal costs under her plan.
I reviewed the other provisions with the Ultimate Plan with CCWSafe and found this plan coverage is much better in scope compared to the Elite plan I had with USCCA.
USCCA has great training content on their site and I enjoyed the magazine publications that came regularly with my membership. I found their customer support to be very knowledgeable and responsive.
In the end, it’s about CCWSafe having the best comprehensive coverage for the value. My only regret is that I didn’t know of CCWSafe sooner and made the transition earlier. I believe they offer the best option available for self-defense liability coverage.
Does CCW Safe cover anyone who is at church as a volunteer security member but is ‘OFF DUTY’ on volunteering on the day an incident occurs?
Absolutely.
To be clear here. I just read CCW Safe’s contract because I had the same question. They have a House of Worship Plan the church can sign up to if they have 3 or more who are armed, if they are on a rotating schedule or permanently assigned. Alternatively, if you personally buy the Ultimate plan (and 1 other plan option), you and your spouse (if they are armed on the team), can be covered individually for doing that volunteer service at church. My church chose not to do the HOW plan to cover us. So, my alternative is to buy the Ultimate (or other one) to make sure I am covered. Recommend anyone with this concern read CCW Safe’s contract on this. Thanks
I have read a few reviews/comments that says CCW Safe will not cover you outside of your home. From reading their contract and several other reviews, I don’t see that anywhere. If that is true, can someone point that out in the CCW Safe contract please? I can’t imagine that would be true. Thank you
They will not defend you if you shoot someone in your home that’s there by way of invitation, i.e. friends, spouse, children, former spouse etc. They will however cover you if you shoot a delivery person or service worker (i.e. plumber, electrician) etc. Maybe you’re confusing the Home Defender plan for their other plans. The Home Defender is to protect people who don’t have a CCW but might have an incident in the home. The other plans 100% cover you outside the home, they’d be useless if they didn’t.
James they updated their policies recently to remove any such restrictions on all plans.
That’s what I do is church security. When we’re protecting the people on the inside, we need to know who’s protecting us.