Best Concealed Carry Insurance

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Are you a gun owner who wants to feel secure in your right to protect yourself and your family? If so, then concealed carry insurance is the perfect solution for you!

With CCW insurance, you can be sure that you’re protected in the event that you need to use your firearm in self-defense.

No matter if you are out and able and need to use your firearm for self-defense or you are at home and something goes bump in the night and you grab your handgun from your bedside safe, you want to ensure you’re protected legally.

What is concealed carry insurance?

Concealed carry insurance is a low-cost coverage that provides legal protection for gun owners who use their weapons in self-defense or home-defense situations.

It is also known as CCW or firearm liability insurance and is beneficial for those who carry firearms to protect themselves and their families.

The coverage varies from policy to policy, but many protect from civil court proceedings, such as when an involved party files a lawsuit against the gun owner.

Generally speaking, concealed carry insurance is a relatively new law concept due to the growing number of concealed carry firearms owners in the US.

It is unnecessary to have insurance if you carry a concealed weapon, but it can provide peace of mind for those who do, just lot a good concealed carry belt.

Best Concealed Carry Insurance

Best Overall Pick
Right to Bear Concealed Carry Insurance Logo

Right to Bear

Use coupon “LYNX” to save 10% off your plan!
$13.50/Month$15 Month
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Right to Bear

Logo for Right to Bear Concealed Carry Insurance

Right to Bear Insurance is a company that provides liability insurance for gun owners who choose to carry a concealed firearm.

I am a Right to Bear policyholder and have full faith and confidence in the insurance and service they provide.

The insurance covers legal costs associated with both civil and criminal cases, including defense costs, bail money, and damages.

The company also offers various coverages, such as accidental discharge coverage, psychological support, and home state coverage for states that don’t require a permit to carry.

It can’t be stressed enough how important extra benefits like psychological support are when dealing with life-changing incidents. While we all like to think we are tough enough to handle a self-defense event, we never know how having to defend one’s own life or take one may have on our mental health.

Right to Bear provides policy extras that can be useful in the event of a self-defense lawsuit such as:

  • Unlimited Civil & Criminal Defense
  • Psychological Support
  • Expert Witness Coverage
  • Bail Bond Coverage (Up to $100,000)
  • Gun Replacement

Right to Bear Insurance is a great option for gun owners who want to protect themselves from costly legal fees.

One thing a lot of people don’t realize is that even in a completely legal self-defense shooting, your firearm will likely be seized by law enforcement for months, if not years, while the legal process moves along.

Right to Bear covers your firearm in the event it was used, and included in the price of the place is gun replacement where they will replace your gun if taken after a self-defense incident.

One added benefit is their referral program, which allows you to refer a friend to RTB. They save 10% and receive 2 free months if they sign up for the annual plan! Plus, you get the added benefit of a free month of Right to Bear membership per additional signup.

Right to Bear Concealed Carry Insurance Logo

Right to Bear Best Overall Pick

Use coupon “LYNX” to save 10% off your plan!
$13.50/Month$15 Month


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CCW Safe is an excellent option for concealed carry insurance. It is a well-established, time-tested CCW coverage plan offering great protection and value for gun owners.

It provides liability coverage in a self-defense incident and deploys critical defense teams directly to the area of a self-defense incident.

It also offers discounts to retired military or retired police and includes spouses and children in the plan if the weapon was used legally.

The benefits of CCW Safe include:

  • Liability coverage in the event of a self-defense incident.
  • Discounts for retired-military or retired police.
  • Includes spouses and children in the plan for free.
  • Deploys a critical defense team directly to your area.
  • Coverage from attorneys who have defended cases like George Zimmerman’s.
  • Over-the-phone consultations.
  • Training and newsletters.


The US Concealed Carry Association (USCCA) is a membership-based organization that is dedicated to providing education, training and legal protection to responsible gun owners.

It offers a variety of services and resources to help members protect themselves and their families in the event of a self-defense encounter.

The USCCA provides educational and training materials for concealed carry weapons (CCWs), a subscription to the USCCA’s Concealed Carry Magazine, free entry to the USCCA’s annual conference and discounts on shopping.

USCCA offers members a comprehensive insurance plan to provide financial protection in the event of a self-defense encounter.

This insurance plan covers members with legal protection and coverage for financial damages resulting from a self-defense incident.

The coverage includes choice of attorney, reimbursement or payment of legal fees and costs, and per diem rates.

USCCA also offers additional resources such as online CCW courses, a firearms confidence and capabilities program, and access to discounts on holsters, optics, training tools, and more.

It also provides peace of mind through its comprehensive insurance plan, giving members the ability to feel confident in their knowledge and ability to defend themselves and their families in the event of a self-defense encounter.

Overall, USCCA provides a valuable resource to gun owners looking to expand their skill set regarding mental, physical, and legal preparedness. If you want a full review of USCCA concealed carry insurance take a look at Gun University’s review.

Second Call Defense

Second Call Defense is a concealed carry insurance provider that offers plans with a variety of features designed to ensure gun owners are well-protected in the event of a firearm discharge situation.

They offer coverage for civil and criminal defense situations, as well as additional cash handouts for bonds, attorney retainers, aftermath clean-ups, and more.

For just $15 a month, their full coverage plan provides $500,000 in civil suite protection and 50,000 in criminal defense protection, as well as access to a nationwide attorney network, 24/7 emergency legal hotline, rapid response team, member newsletter, and more.

Second Call Defense is a great provider for those looking for an inexpensive, yet comprehensive, concealed carry insurance package.


US Law Shield is a company that provides comprehensive gun insurance coverage for individuals who carry a weapon for self-defense and other legal uses.

It covers civil, criminal and appeals legal representation in the event of a legal use of force.

US Law Shield provides unlimited coverage, with no per diem, no choice of attorney and at a low cost.

It also offers access to gun shops and training facilities to help you stay safe and be prepared.

The benefits of US Law Shield are that it offers highly vetted and screened attorneys with start-to-finish representation, a 24/7 emergency hotline, a non-emergency attorney question line, multi-state protection, no limits on attorney fees for all qualified covered events, legal representation for both criminal and civil cases, access to experts in the field, and expert witnesses and bail funds (additional add-on).

US Law Shield is a great way to prepare for the worst and protect yourself, your family, and your property.

With their low cost, no limits on coverage and easy-to-access resources, it is the perfect option for anyone looking for affordable and reliable concealed carry insurance.

Why do you need concealed carry insurance?

If you plan to carry your firearm for protection here are ten reasons you need concealed carry insurance.

Protection Against Liability Claims for Civil Damages

Concealed carry insurance protects against liability claims for civil damages arising from the use of a firearm for self-defense.

It provides coverage for attorney fees, bail bonds, and other associated costs that may be incurred in a civil lawsuit brought against the policyholder.

In addition, it also provides coverage for any damages that may be ordered by the court if the policyholder is found liable in the civil suit.

It is important to note that some coverage is solely for civil lawsuits and does not provide any protection or coverage for criminal cases.

Concealed carry insurance is an important consideration for anyone who carries a concealed handgun, most plans protect criminal charges in the event of a self-defense incident.

In the world of lots of malicious prosecution, you want to make sure you have coverage for any anti-second Amendment prosecutor who might be trying to make a name for themselves.

In the event of a self-defense incident where a firearm is used, an individual could be charged with a crime, which may result in significant legal fees, lost income from court appearances, and other costs associated with their defense.

Concealed carry insurance is important because it provides coverage for these costs, up to a certain amount, so the individual does not have to pay out of pocket for the fees related to their defense.

Additionally, the insurance provides coverage for bail or bond fees, compensation for lost wages, psychological counseling, and other costs related to the incident.

With concealed carry insurance, individuals can rest assured that their legal costs will be covered should they face criminal charges.

Protection Against Lawsuits for Injury or Death

Using your firearm for a defensive shooting could result in injury or death, which everyone who carries must understand. CCW insurance is important as no matter if you are justified or not you will be the subject of an investigation.

Coverage Against Property Damage Claims

Concealed carry insurance provides coverage against property damage claims in the form of Property Damage coverage.

This coverage is designed to protect the policyholder from any costs associated with damage to another person’s property as a result of their lawful use of a firearm.

Depending on the type of policy, the policyholder may be eligible for reimbursement of costs such as attorney fees, lost wages, bail bonds, the cost of replacing a firearm, and medical expenses.

Some policies may provide coverage for property damage associated with a crime scene clean-up, negligent discharge, firearms replacement, and work loss coverage.

Expensive Court Costs and Attorney Fees

When faced with criminal or civil litigation, court costs and attorney fees can be incredibly expensive and difficult to cover without the help of concealed carry insurance.

Without insurance, those facing criminal or civil litigation must pay the full cost of court costs and attorney fees out of pocket, with no cap on either the criminal or civil defense fund.

Protection Against Loss of Income

Having concealed carry insurance is beneficial in order to protect against the potential loss of income that could result from a self-defense encounter.

Without insurance, the policyholder is at risk of shouldering the costs of any legal proceedings on their own, which may include lost income, money for bail, court fees, and a criminal defense lawyer.

Concealed carry insurance provides financial support for the policyholder so that they can ensure they can cover their day-to-day expenses in case of an emergency.

It provides peace of mind that any legal or financial consequences will not be financially devastating.

With the right coverage, a policyholder can be secure in knowing that they have the protection they need in the event of a self-defense encounter.

Peace of Mind Knowing You Are Protected

Concealed carry insurance is important for peace of mind because it provides an extra layer of security and protection for gun owners.

Since it can cover the costs of legal expenses and other associated costs in the event that a gun owner must use their weapon in self-defense.

With concealed carry insurance, one can be sure that they are legally covered in the event of a use-of-force situation with a firearm.

How to find the right coverage for you

Finding the right coverage for you might seem daunting but don’t stress! It’s fairly easy to figure out what you need. Here are some more in-depth ideas for selecting your coverage.

Research conceal carry insurance options

Researching concealed carry insurance options can be a daunting task. Fortunately, you don’t have to go it alone. Here’s a step-by-step guide on how to find the perfect policy:

Step 1: Contact Providers

The best place to start your research is by reaching out to providers that offer this type of insurance. Ask them about their policies and coverage and find out exactly what they can offer you.

Step 2: Compare Plans

Once you’ve narrowed down your choices to a few providers, it’s time to look at the plans they offer and compare them. Look at the cost, coverage, and any additional features that come with the plan. Make sure to read the fine print and understand what is and isn’t covered.

Step 3: Check the Law

It’s important to understand the laws in your state regarding self-defense and concealed carry. Check with your state to make sure the policy you’ve chosen will adhere to these laws.

Step 4: Look for Resources

When choosing a concealed carry insurance policy, look for one that provides you with access to informative and well-researched resources such as videos, magazines, and newsletters on concealed carry training.

Step 5: Make Your Decision

Once you’ve done your research, it’s time to make your decision. Make sure that the policy you choose is the right fit for your needs and budget.

With this guide, you’re well on your way to finding the perfect concealed carry insurance policy.

Consider Cost and Coverage Options

When evaluating the cost and coverage options for insurance, there are several things to consider.

Firstly, you should compare the monthly cost of the insurance plan and determine which one is most cost-effective for your needs.

Secondly, compare the maximum coverage offered for criminal and civil defense, as well as other factors such as the ability to choose your own attorney and whether the plan provides upfront payments for legal fees.

Lastly, when comparing plans, take a look at the other features, such as 24/7 phone support and per diem max, to see which one best suits your needs.

Self-Defense Education Benefits

There are a variety of self-defense education benefits that should be considered.

LawShield provides its members with a variety of benefits, such as state-specific legal updates, events and educational programs, and discounts on new gear.

USCCA, on the other hand, provides members with access to some of the best firearms, concealed carry and home defense training systems in the nation, as well as self-defense liability insurance, customer support, and member-only perks.

Both companies offer educational resources for members, but USCCA’s educational materials are particularly comprehensive, with checklists, guides and training videos created by firearms and self-defense experts.

Ultimately, it is important for potential members to fully understand what their coverage entails and what educational benefits are offered in order to make the most informed decision.

Check into the Membership Numbers and Service History

The organization’s membership numbers and history of service will give you a better idea of what you can expect.

This can help you better understand the level of commitment and dedication the organization has to its members and how long they have been in business.

By looking at an organization’s membership numbers and history of service, you can gain insight into the level of experience and level of service they offer.

Knowing the organization’s values and its commitment to its members can also help you decide if their services are the right fit for you.

Review reviews and ratings of the provider

Just like you would for a product on Amazon reviewing reviews and ratings of the provider help you find the right coverage for you by giving you an idea of the cost, coverage, features, and value of the program.

Looking at the reviews will also tell you if the provider is reliable and trustworthy and if their customer service is up to par.

Reviews help you compare different providers and get an idea of what other people think of the program, which can help you decide which one is best for you.

Make sure that the policy covers all relevant risks

To make sure your policy covers all relevant risks, you should take the following steps:

  1. Make a list of all risks that you are concerned about and the potential costs associated with them. This could include liability claims, medical expenses, defense costs, etc.
  2. Compare different policies from different companies and read through the fine print for each one. Ensure the policy covers all of your risks and any additional coverage you might need.
  3. Reach out to the company directly about CCW insurance. Ask them to review your list of risks and determine if the policy covers all of them.
  4. Ensure the policy includes educational materials about your rights and responsibilities as a CCW permit holder. This is important so you can be prepared for any legal action or claims against you.
  5. Don’t forget to look at the higher tiers of coverage that come with additional fees. This can provide additional peace of mind that you are covered in the event of more serious risks.

By taking these steps, you can ensure that your policy covers all relevant risks.

Check Restrictions on Guns or Ammo

For gun owners, it is important to stay informed about state and federal laws and regulations that must be followed as a responsible gun owner.

You want to make sure concealing your Glock 19 won’t nullify your insurance policy.

Depending on your state, there are certain restrictions on guns, ammunition, and other firearms components that must be adhered to. It is important to know if your policy will cover whatever you plan to carry for self-defense.


What is Concealed Carry Insurance?

Concealed carry insurance is a type of firearms coverage that provides protection benefits when you use your firearm in self-defense or home-defense scenarios.

It is also commonly referred to as CCW insurance, or firearm liability insurance. The coverage is designed to provide financial support in the event of legal proceedings, such as if you are sued by an involved party in a self-defense incident.

It is becoming increasingly important to have this type of coverage due to the increasing number of malicious prosecutions of firearms owners.

Concealed carry insurance is a form of low-cost coverage that provides legal protection in the event that you are forced to use your firearm in a self-defense situation.

Although it is not necessary to have this type of insurance if you carry a concealed weapon, it can be beneficial in case law enforcement arrests you, even if you are innocent. In this way, concealed carry insurance helps to protect you in the event that you need to use lethal force in self-defense.

We also recommend consulting with an attorney who is experienced in concealed carry and self-defense law to learn about the laws in your state, and how this type of insurance can benefit you.

What does Concealed Carry Insurance cover?

Concealed carry insurance covers a range of situations, including self-defense, negligent discharge, and the use of deadly force.

It also covers the use of hands and other objects as weapons as well as firearms, so even if you just carry pepper spray, insurance is something you should consider.

The policy also covers civil court proceedings if you are sued by an involved party in a self-defense or home-defense incident, and often includes spouses and significant others for an additional fee.

Ultimately, concealed carry insurance offers protection benefits when you use your firearm in a self-defense or home-defense situation.

How much does Concealed Carry Insurance cost?

Concealed Carry Insurance (CCW) costs between $11 and $47 per month, depending on the coverage and company you choose. In order to make sure you’re getting the most for your money, you’ll want to consider three main factors: premium costs, coverage caps, and overall coverage. Premium costs can range from $150 to $400 per year, which is equivalent to $12.50 to $33 per month.

When it comes to coverage, CCW insurance usually covers court costs and legal fees, situations that occur over state lines, and attorney retainer fees. Some policies also cover bail bonds, training, personal hardships, psychological treatment following a shooting incident, and spouses or significant others at an extra cost.

Finally, you’ll want to consider coverage amounts. Each policy has a different coverage limit, which is usually between $100,000 and $50,000 for liability and criminal defense. Any costs beyond these limits will have to be paid out of pocket.

Overall, CCW insurance is one of the more affordable types of insurance and can offer great value depending on the provider and policy you choose. Shop around to find the right coverage and price for your needs!

How do I choose the right Concealed Carry Insurance provider?

Choosing the right concealed carry insurance provider is an important decision that can have a major impact on your rights and protection in the event of a self-defense incident. To ensure you make the best choice, there are several steps you should take.

First, research the different providers available and make sure they offer the type of coverage you need. Make sure to compare the costs and coverage options from each provider, so you can make an informed decision. Be sure to take into account any additional fees or extra services, such as free attorney vetting.

Once you have narrowed down your options, contact each provider directly and ask any questions you may have about their policies and coverage options. It is also important to ask about any discounts or special offers they may have.

Finally, be sure to do your due diligence and read through each provider’s terms and conditions to understand any limitations or restrictions on their coverage. This will ensure you are getting the appropriate coverage for your situation.

By taking the time to carefully review each provider’s offerings and compare their policies against one another, you can make sure you make the best choice for your concealed carry insurance.

Does Concealed Carry Insurance cover lawsuits and attorney fees?

Yes, concealed carry insurance does cover lawsuits and attorney fees.

Most policies offer coverage for criminal and civil defense costs, retainer fees, and damages.

Some policies may offer coverage for negligent discharge, property damage, firearms replacement, and work loss coverage.

Ultimately, the coverage and services offered depend on the policy and the monthly budget of the individual.

What are the benefits of Concealed Carry Insurance?

The benefits of Concealed Carry Insurance include:

  1. Legal protection for gun owners who use their weapons in self-defense.
  2. Coverage for civil court proceedings when you’re sued by an involved party in a self-defense/home-defense incident.
  3. Protection against costly legal fees associated with self-defense scenarios.
  4. Access to information regarding legal procedures and an attorney for consultation.
  5. Coverage for the use of hands or other objects as weapons as well as firearms.
  6. Peace of mind knowing you’re covered in the event of a self-defense situation.
Michael Savage
Michael Savage

Michael is the President of Lynx Defense and an avid gun owner and outdoors man. He's passionate about helping find the best bang for your buck and helping others learn about firearms and the industry as a whole.

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  1. I am considering a business opportunity. I have my ccw, but could potentially have up to 100k on my person at any given time should I opt to do this. The job is legal. What and where should I be looking for both civil and criminal insurance?

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