For responsible firearm owners, carrying concealed is more than a constitutional right. It’s a lifestyle choice rooted in personal protection and safety. However, exercising your right to self-defense comes with potential legal consequences that can be financially and emotionally overwhelming. This is where concealed carry insurance providers step in. They offer legal and financial support in the aftermath of a defensive firearm use incident.
Picking the Right Concealed Carry Insurance
Before selecting a concealed carry insurance provider, it’s essential to verify whether the company operates legally in your state. Some states, such as New York, Washington, or New Jersey, impose restrictions or outright bans on concealed carry insurance. Always check with the provider to confirm if they can cover you in your state of residence.
With options on the market, it’s crucial to evaluate which provider suits your needs. Here’s a ranking of the top five concealed carry insurance providers, their features, and why they matter.
1. CCW Safe
Best for Comprehensive Coverage and Professional Support
CCW Safe is a top-tier provider for those who value robust legal protection and extensive member support. Offering unlimited criminal and civil defense coverage, the plan even includes up to $1 million in bail bond assistance. Members can choose their own attorney—a crucial benefit for ensuring comfort and trust in representation.
Key Features:
- Unlimited defense coverage for criminal and civil cases.
- Up to $1 million in bail bonds.
- Coverage for psychological support, expert witnesses, and appeals.
- Allows members to choose their own attorney.
- Monthly Plans: $18–$44.
Why It’s Ranked #1:
CCW Safe provides some of the most comprehensive coverage on the market, making it ideal for individuals who prioritize peace of mind. The inclusion of psychological support and flexible attorney selection underscores their commitment to member well-being.
For more information, please visit CCWSafe.com.
2. USCCA (United States Concealed Carry Association)
Best for Balancing Legal Protection and Education
USCCA is renowned for its dual focus on legal defense and extensive training resources. In addition to unlimited defense coverage and up to $2 million in civil damages, members gain access to a library of educational content, courses, and scenarios designed to enhance firearm safety and readiness.
Key Features:
- Unlimited criminal and civil defense coverage.
- Up to $2 million in civil liability damages.
- Members can select their attorney.
- Robust educational resources and training programs.
- Monthly Plans: $29–$49.
Why It’s Ranked #2:
USCCA excels at preparing its members before incidents occur, combining legal defense with educational empowerment. It’s perfect for individuals who want their insurance to be a proactive investment in skill-building as well as protection.
For more information, please visit USConcealedCarry.com.
3. Right to Bear
Best Budget-Friendly Option
For concealed carriers on a budget, Right to Bear provides excellent coverage at an accessible price point. Starting at just $11/month, the plans offer unlimited legal coverage and upfront payment of legal fees. The optional add-ons—like gun replacement—make it versatile for varying needs.
Key Features:
- Unlimited legal coverage for criminal and civil cases.
- Upfront payment for legal fees.
- Affordable pricing with plans starting at $11/month.
- Optional add-ons for firearm replacement and more.
Why It’s Ranked #3:
Right to Bear provides solid baseline coverage without straining your wallet. While it doesn’t include the extensive extras of CCW Safe or USCCA, it’s a practical and effective option for budget-conscious individuals.
For more information, please visit ProtectWithBear.com.
4. US Law Shield
Best for Legal Fee Simplicity
US Law Shield stands out for its straightforward, unlimited coverage of legal fees, ensuring no hidden costs during stressful times. While members cannot choose their attorney (US Law Shield assigns one), the legal team’s specialization in self-defense law ensures expertise.
Key Features:
- Unlimited legal fee coverage for both criminal and civil cases.
- Affordable plans starting at $10.95/month.
- Access to educational materials and events.
- Attorney selection managed by the provider.
Why It’s Ranked #4:
US Law Shield is an affordable choice for those who prioritize simplicity in legal fee coverage. While attorney selection is restricted, the low cost and comprehensive fee coverage make it a reliable pick for many.
For more information, please visit USLawShield.com.
5. Second Call Defense
Best for Immediate Crisis Response
Second Call Defense shines in its focus on providing immediate support after a defensive incident. With plans starting at $14.95/month, it offers up to $500,000 in civil defense coverage and $100,000 for criminal attorney fees. The addition of immediate bond support and daily compensation for court proceedings sets it apart.
Key Features:
- Up to $500,000 in civil defense coverage.
- Up to $100,000 for criminal defense attorney fees.
- Immediate bond support and daily compensation for court appearances.
- Monthly Plans: $14.95–$39.95.
Why It’s Ranked #5:
Second Call Defense is designed for individuals who want rapid crisis management and financial relief during legal proceedings. While coverage limits are lower than some competitors, the immediate support features make it a valuable addition to any concealed carrier’s toolkit.
For more information, please visit SecondCallDefense.org.
5 Tips for Vetting a Good Self-Defense Attorney
Choosing an attorney after a self-defense incident is just as critical as picking the right insurance. Here’s how to ensure you’re in capable hands:
- Specialization in Self-Defense Law:
Look for an attorney with a proven track record in self-defense cases or firearms-related legal issues. Their expertise in these specific areas will be invaluable when building your defense. - Knowledge of Local and Federal Laws:
Laws surrounding self-defense and firearms vary significantly between states. An attorney well-versed in local and federal regulations ensures you’re represented accurately. - Trial Experience:
A seasoned trial lawyer will know how to effectively present your self-defense argument to a jury. Trial experience is crucial for navigating courtroom complexities and jury perceptions. - Communication and Availability:
Choose an attorney who is responsive and available 24/7 to assist you immediately following an incident. Delayed communication could hinder your case. - References and Reputation:
Research reviews, ask for references, and check endorsements from firearms organizations. Concealed carry insurance providers often recommend attorneys with proven records, providing a reliable starting point.
Bonus Tip: If possible, consult with your chosen attorney before an incident occurs. Understanding their approach and compatibility with your needs can provide peace of mind.
How to Choose the Best CCW Insurance Provider for You
Selecting the right concealed carry insurance depends on your individual priorities and circumstances. Consider the following factors:
- Coverage Limits: Evaluate whether you need unlimited coverage or are comfortable with set limits on legal and civil defense.
- Attorney Selection: Determine if choosing your own attorney is a non-negotiable factor.
- Budget: Balance the cost of monthly premiums with the level of coverage and support provided.
- Additional Benefits: Look for extras like educational resources, psychological support, or gun replacement services.
- State-Specific Laws: Ensure the provider complies with your state’s regulations and covers your specific needs.
Navigating the legal aftermath of a self-defense incident can be as daunting as the incident itself. That’s why choosing the right concealed carry insurance is a critical decision for every responsible gun owner.
Providers like CCW Safe and USCCA lead the pack with comprehensive coverage and valuable extras. However, Right to Bear and US Law Shield offer affordable alternatives without sacrificing essential benefits.
By pairing solid insurance coverage with a vetted, experienced attorney, you’re setting yourself up for a stronger defense, reduced stress, and greater peace of mind.
Shoot safe, train smart, and carry with confidence.
