What is CCW Insurance?
Concealed Carry Weapon (CCW) insurance is self-defence incident coverage designed for individuals who legally carry a concealed firearm or other self-defense weapon under a valid permit or license. The purpose of this insurance is to help protect the policyholder from the financial and legal consequences that may arise if they use their weapon in a self-defense situation.
The difference is that not all CCW insurance policies are created the same. Different organizations or and providers offer different benefits and additional add-on coverage that might not work well for your needs.
Finding the right policy for you is like finding the right gun; it just fits in the hand well and you know it's going to do its job when you need it.
How CCW Insurance Typically Works
Purchasing a Policy
Individuals, families, law enforcement officers (LEOs) and former military obtain CCW insurance through providers that focus on self-defense and firearms-related coverage. These organizations, like Right To Bear, often specialize in legal matters involving use-of-force incidents.
Coverage Details
CCW insurance coverage varies by provider, making it important to carefully review policy terms and conditions. Policies may differ significantly in what they include, exclude, or limit, depending on the insurer and the plan selected. Many policies place caps on how much they will pay for legal defense costs which can affect the level of financial protection available during a prolonged legal case.
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Legal Defense Coverage: This is the primary component of most CCW insurance policies. It is designed to help cover attorney fees, court costs, expert witnesses, and other legal expenses associated with defending a self-defense claim in criminal court.
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Civil Liability Coverage: Many CCW insurance policies do not provide coverage for civil liability, meaning damages, settlements, or judgments awarded in a civil lawsuit are typically excluded, even if the self-defense claim is ultimately justified.
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Right To Bear’s exclusive membership offers coverage for criminal and civil defense protection.
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24/7/365 Emergency Attorney-Answered Hotline: Most CCW Insurance policy providers have some sort of hotline in case of a legal emergency, but few are answered directly by an attorney. Right To Bear is one such provider. Anytime, anywhere an emergency happens, an attorney will be standing by to take your call.
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Stand Your Ground and Castle Doctrine Considerations: Certain policies may provide coverage in situations where there is no legal duty to retreat, such as incidents involving stand your ground or castle doctrine laws, subject to state regulations and specific policy terms.
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Reporting an Incident: After a self-defense incident involving a concealed weapon, policyholders are generally required to notify their insurance provider as soon as possible so the provider can explain next steps, initiate coverage, and help coordinate legal resources.
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Bail Bond Coverage: Some policies offer bail bond assistance, which may help cover or arrange bail so the policyholder can secure release from custody while awaiting trial or further legal proceedings. Right To Bear offers this as an additional add-on to your membership, while other policies might not provide it at all.
Policy Costs
Premiums vary based on factors such as geographic location, coverage limits, and the insurance provider, with annual costs typically ranging from several hundred dollars to over a thousand dollars.
A Right To Bear membership costs $19/month and provides you with the benefits of our purchased CCW Insurance policy while also offering all of our exclusive benefits like training content, our monthly newsletter, firearm replacement in case of seizure, and much more.
Protect What Matters Most
With the amount of options for CCW Insurance out there, it's natural to feel overwhelmed with knowing which one is right for you and your family. After all, going with the wrong policy could mean the difference from being properly vindicated after a self-defence incident to potentially devastating legal consequences.
Right To Bear knows how important a choice this is, and our potential members aren’t going to take it lightly. That’s why we have created the ultimate membership that treats you like a true member, not just a number. With your own Right To Bear membership, you access a premium provided CCW Insurance policy as well as all of our own benefits. We look after our people, because we know it just means more.
Join a membership that will fight for you. Become a Right To Bear member today.
Frequently Asked Questions:
How is Right To Bear different? - +
Right To Bear Association is not an insurance provider and does not sell insurance policies. Instead, it offers membership benefits that include immediate access to legal assistance, training resources, and other tools. One of the core benefits of membership is direct access to attorneys without waiting for reimbursement or going through claims adjusters. Other providers may offer consultation, but not with attorneys.
With Right To Bear, your membership protects you from the unnecessary financial burden of a criminal or civil trial attorney fees and offers you the training and guidance you need to know that you won’t have to pay for making the right decision.
What is CCW insurance and how does it work? - +
CCW insurance, short for Concealed Carry Weapons insurance, is a type of self-defense insurance designed to protect legal gun owners who carry concealed firearms. It typically helps cover legal defense costs if you use your weapon in a self-defense situation. Unlike traditional firearm liability insurance, CCW insurance focuses specifically on criminal and civil defense rather than property damage or accidental discharge.
Is CCW Insurance worth the money? - +
If you carry a concealed firearm, investing in some form of legal protection can offer peace of mind. Legal fees after a self-defense incident can be substantial—even if you are found not guilty.
Does CCW insurance include civil liability coverage? - +
Some CCW insurance policies include civil liability protection. However, not all do.
What is the difference between firearm liability insurance and CCW insurance? - +
Firearm liability insurance generally focuses on unintentional injuries or property damage. CCW insurance is more narrowly tailored to situations involving self-defense with a concealed firearm.
What does “carry insurance” mean? - +
“Carry insurance” is an informal term referring to any insurance product that supports individuals who carry firearms legally. This can include CCW insurance and other types of firearm-related policies.
What is shooter insurance, and how does it differ from CCW insurance? - +
Shooter insurance may apply to activities like competitive shooting or range time, and it typically offers protection in those contexts. CCW insurance is more focused on self-defense situations involving concealed carry.
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Looking For Self-Defense Protection?
Right To Bear offers Elite protection along with many other great benefits. Our plans offer more than just legal reimbursement to secure your peace of mind.
