Keeping in mind that we are not the USCCA even though a lot of people think we are simply because our domain names are only two letters off, we get asked quite often if concealed carry insurance is actually a necessity for everyday carry.
The short answer to the question is this: Yes, you do need concealed carry insurance.
The following, is the extended answer —
If you carry a firearm on you for self-defense or for the idea that you may one day need to use your firearm in self-defense, having some sort of concealed carry, or self-defense, insurance just makes sense.
Why? Well, it's kinda like the reason why you carry a gun to begin with: just in case. While you'll likely never need your gun in self-defense, there are thousands of people who use their guns to defend life every year. Because of this simple fact, you carry your own gun, just in case.
Just in case what? Well, people are unpredictable and do stupid things. Some people feel as though what you have belongs to them and are willing to hurt you to take it. Other people are on drugs and their sense of what is normal and not is very broken.
Still, others, have a strong desire to just hurt people.
Either way, no matter what kind of bad guy you may encounter, you carry a gun on you to defend yourself against one of them if that time ever comes.
So, where does the insurance come into play? Same thing, just in case. In case of what? All of the above circumstances. The difference, is your gun helps you protect yourself or loved ones from the bad guy while he's attacking you, and the insurance protects you from the bad stuff that can happen afterwards.
Bad stuff, meaning you get sued or charged with murder. Or, maybe you accidentally said something really stupid to the police after you defended yourself and it's now being used against you in court. There are more potential circumstances than I plan to name here, but hopefully you get the gist.
The point, is that the benefits far outweigh the cost of enrollment — to any of the bigger companies out there with a track record of helping their members.
We don't endorse any one program over the next, but urge you to take a look at our chart to find out which one is the best for you. Here is our chart.
Me, personally? I'm a member of US Law Shield. We have employees who are members of CCW Safe, and others who are members of the USCCA's program. To be honest, the bigger companies all offer programs that are very similar, and all are worthwhile.
You just need to take action to have it, before you need it.
After the defensive use of a firearm is too late unless you've got an attorney on retainer which is really the only other option (unless you're the fly by the seat of your pants type).
That, by the way, can be very expensive.
We compared USCCA to CCW Safe, here, if you want to read up on it.
In contrast, all of the biggest legal self-defense programs only cost a few hundred dollars per year at the high end, and less than that on the low end. And, being that they're meant to help you stay out of jail is kind of huge when you consider all the anti gun stuff happening.