Wow, there’s a lot of CCW insurance providers now.
And like you…I wanted to make sure I had the best.
I feel it’s one of those things that if you really need it…you want to make sure you have the best.
Well…I guess there’s my seal of approval (since 2017)!
August 2019 Update: Still a paying member! And USCCA reached out to me to offer you guys Pew Pew Tactical’s online beginner pistol course for free ($67 value). Details at the bottom.
November 2019 Update: I also now cover the three states where USCCA is not currently active (NY, NJ, & WA).
2020 Update: I’m an Elite member (with a real photographer). Plus updates on their big changes to their membership levels.
Table of Contents
What Exactly is Concealed Carry & Self Defense Insurance?
I only became aware of the entire concept of concealed carry insurance three years ago after USCCA gave out free t-shirts at SHOT show. I would have forgotten…but their emails do not let you forget.
But hey…super effective since I ended up buying the insurance and writing this article!
So what exactly is it?
First, a legal disclaimer:
The USCCA is not an insurance company. A policy has been issued to the USCCA by Universal Fire and Casualty Insurance Company. That policy provides the association and its members with self-defense liability insurance, subject to its terms, conditions, limitations, and exclusions.
Basically…if you defend yourself with a gun (or other weapon), you’re going to be in a big mess…even if it was justified.
Insurance comes in to help with bail, civil/criminal defense, lost wages, etc.
Chances are you’ll never have to use it.
But if you’re carrying…there’s that slight possibility. And we’ve all seen what happens to people who go on trial for self-defense (It’s Not the Odds, It’s the Cost).
And it’s not a pretty sight.
At least now you might not have to go into bankruptcy and wreck your family.
Next thought I had was…ok, so there’s that slight possibility of a world of hurt…how much does it cost to alleviate it and protect my loved ones?
*Update November 2020: Big change to their plans where all three levels (Gold: $25/month, Platinum: $34/month, Elite: $42/month) give you the same protection but different training options.
Here’s the biggies…and don’t worry I’ll go through each.
- $2,000,000 Each Claim Limit for Claims Expenses & Damages
- $250,000 Defense Expense Limit
- $750 Per Day Loss of Earnings
- $50,000 Bail Bond Funding
What Do You Get?
I’m not some insurance pro but have consulted with lawyers on this.
If you’re in the market for this stuff always do your own research.
Let’s take a look at all the numbers:
Claims Expenses & Damages
This is for civil defense since you might have to defend yourself against civil lawsuits from the person you shot, their family, and other entities.
USCCA helps with $2,000,000 in coverage and also $750 a day for lost wages.
This is for if you get prosecuted by the authorities…even if it was a righteous shoot.
USCCA assists with $250,000 in coverage for your lawyers etc. And it’s up-front. Some other services only reimburse you. Great perk if you don’t have hundreds of thousands lying around.
Also, there’s $50,000 in bail bonding which usually reflects 10% of the face amount of the bond…so a max $500,000 bond.
Lastly there’s $6,000 for incidental expenses.
Let me know if I goofed anywhere too!
Still with me?
What Else Do You Get?
USCCA is pivoting towards education but here are a few of the things you also get with a membership (at whatever level).
Good and all…but the BIG takeaway here is the 2nd point: Attorney Network.
They have their own large network but you also get to choose your own lawyer if you want to. Huge when other services you might not.
Another biggie not shown in the above chart is the use of any legal weapon in lawful self-defense.
It doesn’t have to be a gun, but sometimes you have to grab what’s around you. As long as it’s legal you’re covered.
Lastly, another big one is the ability to add your spouse to your membership at half-price.
Like I said before…USCCA is pivoting to more training and education.
But access to it is what differentiates the Gold ($25/month) from the Platinum ($34/month) and Elite ($42/month) designated by the three columns.
The training vault are short videos that help you out and I like the two choices they had for Gold. Situational Awareness keeps you from getting into bad situations and When to Use Deadly Force gives you a nice checklist.
In addition to the “Training Vault,” there’s also “Qualifications” which up your actual handgun skill and have a live range training requirement if you want to actually be qualified.
One of our authors recently took their Tennessee Concealed Carry Course and reviewed it.
Along with the live fire section.
Now enough about the benefits of USCCA…how does it compare to others?
USCCA vs Others
I know a bunch of you are thinking right now…but I’ve got [other kind of CCW protection], how does it compare?!?
I tried going down the rabbit hole but got really lost. I’ll leave it to you to research more.
Here’s some of the ones I’ve found.
- NRA Carry Guard (the former 800 lb gorilla) is now shutdown due to several investigations and lawsuits.
- CCW Safe: Technically not insurance but provides protection in the form of covering your legal defense with their team.
- Armed Citizens Legal Defense Network: A membership program where you pay into a fund that will pay your legal expenses.
- Second Call Defense: Pretty similar numbers but the up-front attorney retainer is lower (max is $10k).
- Texas Law Shield: They have a network of their own attorneys across TX and some other states…but aren’t everywhere. And they found themselves in some hot water with a class action suit.
Do your homework!
*Update* My lawyer buddy helped me go through a couple of the other guys in a Concealed Carry Insurance Comparison article.
But here’s my thoughts on why I chose USCCA.
Why I Eventually Chose USCCA
I’ll probably be struck by lightning before requiring it…but that’s the whole point of insurance. I can’t cover hundreds of thousands for a lawyer, bond, and civil defense.
I like how all plans have the same protection:
- $250,000 for prosecution defense
- $2,000,000 for civil
- $750 a day for lost wages
Another two huge big positives for USCCA is that they pay upfront for lawyers…and you get to choose your own if you want to.
There’s some really good stuff there and I’ll be taking them up on the qualifications.
If you’re more casual…the lowest Gold tier at $25/month is more than adequate. That’s two boxes of ammo (or maybe one box right now)!
This is new…you now have one full year to get all your money back if you feel it wasn’t worth it.
That’s pretty good.
I’m very glad to not have actually used the insurance. But off the bat there’s a flurry of emails. So be ready for that…but it’s something that’s easily remedied with an unsubscribe.
Also, the tone of the ads that now I’m bombarded on other sites (thanks retargeting) is always a scare tactic.
I get it!
USCCA Disallowed States
2019 was a turbulent year with several states stopping self-protection insurance companies, not just USCCA. Note thatyour coverage still works if you’re visiting…you just can’t buy it if you live in these states:
- New York
- New Jersey
I started off with the cheapest Silver (legacy) plan but eventually moved up into the Elite membership this year to be able to access all their training.
If you’re just starting…I’d suggest trying out their Gold plan at $25/month. With the one-year guarantee it’s a no brainer.
Check out all of the plans here.
There’s the very small chance of me needing it…but I want to be legally/financially protected if I have to draw my gun to save myself, a loved one, or someone else.
Special USCCA Offer
Now you’ll have piece of mind and a great refresher (or intro) course on safe pistol handling. You’ll get an email with a special code 3-4 weeks after joining the USCCA family.