Transferring Risk

Insurance is defined as a transfer of risk. Property and casualty insurance provides protection for the customer’s property and liability should the customer have an occurrence of a covered peril. If a customer has an at-fault auto accident, the insurance company will pay for bodily injury as well as restore damaged property to its pre-accident state. These policies have limits of liability that determine what the insurance company will pay. Insurance companies provide claims adjusters and lawyers should they be needed to their clients. In the event a concealed carry holder has to use their weapon to protect themselves or others, there are several companies that provide liability insurance for civil and criminal liability. While many companies provide this type of insurance, here is a review of a few top providers.

USCCA (United States Concealed Carry Association)

USCCA was formed in 2003 and they offer three different levels of protection for their customers. USCCA’s packages range from $600,000 to $2,250,000 of coverage. This coverage provides civil suit defense and damages coverage as well as criminal defense protection with upfront attorney retainer funds. Each package has different features that provide bail bond funding, a daily court compensation, personal hardship coverages, and coverage for psychological services. The cost for these packages range from $22 a month to $47 a month. USCCA also provides education and training materials to their members.

Armed Citizens Legal Defense Network (ACLDN)
The ACLDN provides its members with deposit fees for attorneys as well as $25,000 bail for their members. ACLDN members receive eight hours of training with a 235-page book that informs their members of justifiable acts as well as what to expect when dealing with the criminal justice system. ACLDN membership provides members access to a monthly journal. Unlike other providers, there is only one level to purchase for customers. The cost of membership is $135 for the first year and $90 for each additional year. Members can also add a household member for $60 a year.

NRA Carry Guard
NRA Carry Guard provides four different levels of protection. Coverage ranges from $250,000 to $1,500,000 of protection provided by Lockton Affinity. These protections provide civil and criminal defense coverage. The levels cost from $16.17 to $47.74 a month. NRA Carry Guard also provides a 24 hour a day toll-free hotline for members to call in case of an incident. Spouses get automatic protection with no additional cost. NRA Carry Guard members have access to live, digital, and written training.

Taking steps to protect oneself and others from bodily harm is clearly important to citizens holding concealed carry permits. Many gun owners live by the adage, “I would rather have a gun and not need one than to need one and not have one”. While this applies to firearms, the same can be said should the situation arise when one needs civil or criminal protection.


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