What Kind of Insurance Coverage Should I Have for a Concealed Carry Permit or CCW?

If you have made the decision to carry a firearm for your protection you should do two things immediately…

  1. Make contact with a criminal defense attorney who is experienced with and friendly to 2nd Amendment Issues.
  2. Find an insurance agent/company who is also experienced and friendly to 2nd Amendment Issues.


Your first contact with an experienced defense attorney will help you prepare for the situation that you are forced to use your firearm in defense of yourself or another person. Should you happen to be charged or threatened with charges, your first contact will be your criminal defense attorney and having already made a contact will make an already stressful situation easier to deal with.


This is where having an experienced insurance agent and a 2nd amendment friendly company is going to come into play. You maybe civilly liable for damages to person or property caused by your acts. A civil suit may be filed not only from the person/family whom you injured/killed in your defense but also from other parties whom had bodily injury or property damage. I.E. You defend yourself while in fear for your life while be robbed at a gas station, you fire 2 shots with one shot passing through the assailant and injuring an innocent bystander standing behind them. You are likely going to be sued by the bystander for the injuries that they sustained.

What you need to consider

There are 2 parts of a possible civil case that you need to consider. First is personal liability, that is damages that your actions caused and you are responsible for. Secondly is your legal defense to the civil suit, that is your legal representation to defend you against the suit.

Homeowners Coverage


-         May provide coverage under your personal liability

-         Usually limited to $500,000

-         Specific wording on defense not included

-         Covers legal defense cost (civil only)


Umbrella Policy


-         Provides for additional liability coverage up $10 million

-         With the right company will provide specific wording to include “reasonable force”

-         Covers legal defense cost (civil only)


To property protect your civil liability you need to consider a homeowners policy with maximum available liability limits and an umbrella policy with suitable limits for your needs and specific wording that includes protection for:


“Bodily injury” resulting from the use of reasonable force by an “insured” to protect persons or property


If you would like to discuss your options in more details we can be reached at 661-327-5531 or email us. You can also get an online quote at www.crosbyandcrosby.com we are supporters or the 2nd amendment and experienced in firearms issues and personal insurance.


3 Responses to “What Kind of Insurance Coverage Should I Have for a Concealed Carry Permit or CCW?”

  1. Michael says:

    I live in Toledo, OH and I have received my CCW permit. I do not currently carry on a regular basis due to where I work and my employer’s vehicle policy. I would be interested in some quotes for insurance protection.

  2. ryan says:

    Thanks Michael for checking with us. Unfortunately we aren’t licensed to write business in Ohio. I would recommend that you check with an independent agency in Ohio that carries either Travelers or Safeco. We have good experience with those companies being “gun friendly”.

  3. Roger says:

    Michael, I’m also in the Toledo area and looking for insurance. Just wonder if you found out anything?

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