Comparing CCW & Self-Defense Insurance Companies

We’ve all seen how biased the legal system can be against gun owners. So, what’s a responsibly armed person to do? Maybe you’ve heard how self-defense coverage can be a saving grace during the legal aftermath of a self-defense incident. But with all the different legal defense and concealed carry weapon (CCW) insurance providers out there, how do you know what separates the good from the best? What do you actually need in your CCW or self-defense insurance policy?

Is Self-Defense or CCW Insurance Worth It?

Is CCW or self-defense insurance worth it? Without a doubt, yes. If you’re serious about personal safety (gun owner or not), you need to understand that there’s a possibility you’ll have to defend your life or possibly someone else’s. And if you have some type of CCW or weapons license, you definitely need to be prepared for the aftermath if you ever have to use your firearm. Just one incident can completely drain you financially and if you’re not prepared with a good defense, you could wind up losing your freedom.

What to Look For in a CCW or Self-Defense Insurance Policy

Self-defense or CCW insurance is essentially a pre-paid legal defense service that can help you save a fortune in the long run. And while the best coverage is unique to you and your lifestyle, there are some basic “must-haves” for any core coverage. So, what should you look for in a policy?

Covered Weapons

Self-defense is any act that protects your life (or someone else’s) from a threat. There’s no requirement to use a gun for it to be considered lawful self-defense, so your self-defense insurance policy shouldn’t require it either! While many people feel safest with firearms, some prefer a pocketknife, pepper spray, or even their fists. Not to mention, a life-threatening situation could happen anywhere at any time, so your gun might not be an option when it does. You should also not be required to have a CCW or any permit to get coverage. Of course, you do need to follow your local laws and carry responsibly.

U.S. LawShield® provides coverage for any legal weapon—with or without a CCW—as part of every core plan. We understand that sometimes you have to rely on weapons of opportunity if you want to survive. Because self-defense is self-defense, regardless of if it’s with a gun or not.

Financial Compensation

The purpose of getting self-defense coverage is so that you can be protected during the harrowing aftermath of an incident. So, obviously you want an insurance policy that includes both civil and criminal defense protection. Especially when anyone can sue you for anything these days. Something else often overlooked is the fact that the same criminal trial or civil lawsuit can be drawn out, appealed, and/or retried. So, it would be smart to have coverage for ALL legal proceedings that result from your self-defense incident. Otherwise, you’re still risking your future and finances.

In addition to covering the attorneys’ fees for all civil and criminal defense proceedings (including appeals, etc.) related to your self-defense, U.S. LawShield also provides legal defense coverage for Red Flag Law orders. Members that find themselves the victim of a risk protection order can count on U.S. LawShield to help defend their rights.

U.S. LawShield also provides coverage for self-defense in domestic violence incidents. However, these incidents can vary greatly, as well as the state laws surrounding them. So, there’s not typically a blanket coverage for these events. But U.S. LawShield members can rest easy knowing they’re protected if they’re ever forced to defend their life.

Civil & Criminal Defense Coverage

Arguably, your main reason for choosing to get self-defense insurance in the first place is to have protection from the devastating blow a legal battle can have on your finances. In a perfect world, you’d have a policy with no deductible, unlimited monetary coverage, and maybe even extra coverage for other related expenses, like bond fees.

bailbond 2Unfortunately, many self-defense insurance companies don’t offer anything close to this. Typically, you’ll find separate coverage limits for civil and criminal defense, and they’re often set at an unrealistically low cap. While some self-defense companies include financial coverage for other expenses, those costs go toward your overall limit. Not to mention, most companies will only cover the costs of the initial legal battle—not retrials or appeals. And if that doesn’t sound bad enough, a lot of these “self-defense and CCW insurance” policies operate on reimbursements—they’ll pay your expenses only after your self-defense incident has been found justified in court. So, you’re stuck paying upfront costs out of your own pocket without any guarantee you’ll even get reimbursed.

U.S. LawShield, however, is pretty close to that ideal world described earlier. Every base legal defense policy provides unlimited financial coverage for ALL your attorneys’ fees related to a covered self-defense incident, including both:

  • The initial legal battle—civil or criminal; and
  • Any and every future legal proceeding related to the same incident.

And this coverage is upfront, regardless of if you win or lose your case. If the event is covered, U.S. LawShield is there for you from beginning to end. Plus, you don’t have any insurance deductibles; the only thing that comes out of your pocket is your membership fee.

Attorney Selection

Some self-defense insurance companies allow you to pick your own attorney. On paper this sounds great, right? Maybe you have a family lawyer or want to make sure you “mesh” with the attorney who’s responsible for your future. Well, the word “allow” should be used loosely…These companies let you pick your own attorney BUT require them to be approved first (with no defined criteria for approval or rejection). And if they don’t approve your choice? You’re now forced to use one of theirs.

Lawyer 2But let’s say they do approve your attorney choice, how many attorneys do you know well enough to trust them with your life? Because that’s essentially what’s at stake. And of those attorneys, how many do you know who are specifically experienced in self-defense cases? Unless you’re one of those (very) few people who have a strong relationship with a good attorney who’s highly knowledgeable in self-defense and gun law, the option to pick your own attorney is not the huge benefit that you think it is.

While U.S. LawShield doesn’t let you “pick” your own attorney, every single one of our Independent Program Attorneys are rigorously vetted before joining the program. These attorneys must be well-versed in their state’s self-defense and gun law, as well as experienced in self-defense and Second Amendment cases. We want to make sure we’re giving our members the best chance possible at defending their freedom.

We sometimes hear, “What if I don’t agree with my chosen attorney or something negative happens?” Our Independent Program Attorneys are still professional attorneys—bound by the same code of ethics as any other (self-respecting) lawyer—and if there’s anything that could affect their service, you’ll be given another Independent Program Attorney. Our network of highly experienced attorneys means you get the help you need as quickly as possible, without having to jump through any unnecessary hoops.

Attorney Access

If you’re considering any sort of self-defense or CCW insurance from a company that doesn’t connect you to an attorney at all after an emergency, you need to look somewhere else. This is a foundational benefit of legal defense coverage and should not be missing from any policy.

With that said, you should look for a company that connects you to an attorney immediately. Some self-defense companies will connect you to a crisis response team or emergency call center, and then to an attorney. But this not only delays the professional legal help you need in that moment, it also delays your attorney-client privileges! Technically, anything you say to that call-center response team is fair game to be used against you. Sort of sounds like the opposite of what you need after an emergency…

Having immediate access to an attorney after an emergency ensures your defense is solid from those very first moments. You’re able to get real legal advice with the benefit of attorney-client privilege and have peace of mind knowing you don’t have to go through the experience alone. U.S. LawShield members get this peace of mind with the 24/7/365 Attorney-Answered Emergency Hotline, which provides direct access to our network of Independent Program Attorneys ready to help you when you need it most.

But what about during non-emergencies? Any self-defense lawyer will tell you their job is a whole lot easier if their client was prepared, educated, and responsible. Not only will that give you the best chance in court, but it also gives you the best chance in your self-defense incident. Knowing the law and your self-defense rights means you can be properly prepared to defend yourself or your loved ones while still staying responsible. This is why U.S. LawShield also provides members with non-emergency access to attorneys who can reply to their self-defense or gun law questions and help keep them safe and law-abiding.

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Insurance Add-Ons

Many self-defense coverage companies have the option to “upgrade” your insurance policy with different types of extra coverage add-ons that aren’t essential for a base membership. This is great because you can add only what you need for your specific lifestyle, and not be forced to pay extra for coverage you’ll never even use. There are a few different categories of add-on coverage that you might want to consider including in your policy, depending on your unique needs.

Insurance for Spousal & Secondary Members

Self-defense policies operate in a similar way to other insurance policies. Like with other insurance, your core policy covers only yourself. But you can add coverage for your spouse or other household members. If you feel legal defense coverage is necessary for you, then it’s necessary for the rest of your household. After all, you never know when you’ll be forced to defend your life or someone else’s.

U.S. LawShield makes getting coverage for loved ones simple. By adding a secondary member, you can easily keep track of their coverage and your own in one place with one account. Plus, they get all the same benefits and protections of a membership that you do! If you’re a current member, give us a call and let us help you get coverage for your loved one.

Insurance for Minor Children

minor 2If you have any kids, coverage for them is definitely something you should consider adding to your self-defense insurance policy. Teaching your children firearms safety and self-defense skills early in life gives them a huge leg up, and if your child is ever forced to defend themselves (or even you!) with these skills, they’ll need protection just like you.

U.S. LawShield offers additional coverage for minor children that, once added to your core policy, will cover all your kids. You can learn more about Minor Children coverage from U.S. LawShield here .

Multi-State Protection

If you travel out of state regularly or simply routinely (like for the holidays or spring break), then you need to have coverage in all 50 states. Every state has the potential for danger, but they all have different laws. So, you’ll want access to state-specific attorneys who can help defend your rights wherever you go.

You can add coverage in all 50 states, D.C., and Puerto Rico to your base U.S. LawShield membership to ensure you get the best Legal Defense for Self Defenseâ protection regardless of where you’re forced to defend your life. You can find out if Multi-State Protection with U.S. LawShield is something you need here .

Insurance for Gun Thefts

Having your firearm stolen is one of the worst things that can happen to a gun owner. But if the thief uses it to commit a crime…well, things can get really complicated, really fast. If gun theft is something you’re worried about then you should consider adding coverage to help with the fallout.

U.S. LawShield has a unique add-on option to help you not just when your firearms are stolen, but also when your identity is stolen and affects your carry rights. Check out the many reasons why Gunowner Identity Theft Coverage is the extra layer of protection you want here .

Bail Bond Protection

One expense often overlooked or simply not given enough thought is bail bonds. Unfortunately, getting arrested after a self-defense incident—despite being the victim—is a common occurrence. So, unless you want to spend time in a jail cell (or have a money tree), it’s a good idea to protect your finances with additional coverage for bail.

You’ll find some legal defense insurance companies out there that “include” bail bond coverage in their core policies, but it’s actually taken out of your overall coverage limit. And if you end up with a hefty bail, you could wind up with a lot of the other legal fees coming out of your own pocket.

Coverage for Expert Witnesses

When it comes to a self-defense incident, an expert witness can be just what you need to support your case. Especially if you were forced to shoot your attacker and especially if they ended up dying. While it may seem like your need for one will be rare, there are various types of expert witnesses, and you might need one for something unexpected. But these professionals don’t come cheap. So, having coverage for an expert witness is something you should seriously consider if you carry for self-defense.

You can get additional coverage for both bail bonds and a self-defense expert witness with one add-on from U.S. LawShield. With this extra protection, you can get covered for bail up to $50,000 and access to a self-defense expert witness, if necessary. You can see more about the benefits of Bail Bond & Expert Witness coverage here .

Insurance for Hunting, Fishing & the Outdoors

hunter 2If you’re an outdoor person who loves hunting or fishing, then you’ll want coverage designed for those specific dangers and needs. Wildlife and game laws are complex and always changing, so you need to make sure you’re equipped with adequate legal defense protection.

You can be protected on both the land and the water from unintentional wildlife violations, in addition to any self-defense issues with HunterShield® from U.S. LawShield. Knowing you have someone who can help you with the complexities of outdoor laws lets you worry less and focus on hunting or fishing more. You can learn more about this game-changing protection here .

Member Perks

Although not really related to the quality of legal defense provided, you should take a look at the member perks and bonuses a self-defense insurance company offers with membership. This could include things like discounts and special offers with any of their retail or facility affiliates, or even something as simple as exclusive training materials and CCW resources. Maybe the bells and whistles of it all isn’t something you care about, but isn’t it always nice to have a little extra? Especially if that little bit of extra helps you enhance your firearm training or self-defense education. What you should be cautious of is when a self-defense insurance company drastically tiers their educational perks along with membership. If you’re required to pay for the top membership tier before you get important information, updates, or educational resources, then keeping you armed, educated, and safe might not be their top priority.

Second only to defending your rights and freedom, educating you on self-defense is our priority. U.S. LawShield offers every member unlimited access to exclusive content, resources, and tools to help them stay responsible and prepared. From easy-to-follow Second Amendment legal updates and essential guides to hands-on seminars and training sessions, we’re committed to providing the resources you need to be the best self-defender you can be.

At $10.95/mo. for comprehensive and fully customizable coverage, U.S. LawShield is truly the best Legal Defense for Self Defense® program. Unlike some of our competitors, we aren’t a gun insurance company, we don’t offer limited liability coverage, and we most certainly are not a reimbursement plan. Instead, we do whatever it takes to help defend your rights and your freedom, no matter the cost.

Since 2009, our mission to create a united community of responsible individuals who believe in liberty and the inalienable right of self-defense remains unchanged. We strive to empower each one of our members and industry affiliates through essential self-defense law education, so they can confidently face life-threatening situations. But most importantly, we’re dedicated to protecting the law-abiding and responsible self-defender from a biased legal system so they can focus on what matters most.


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Become a part of the nation’s best Legal Defense for Self Defense® Program and get armed, educated, and prepared today.

The information provided in this publication is intended to provide general information to individuals and is not legal advice. The information included in this publication may not be quoted or referred to in any other publication without the prior written consent of U.S. LawShield, to be given or withheld at our discretion. The information is not a substitute for, and does not replace the advice or representation of a licensed attorney. We strive to ensure the information included in this publication is accurate and current, however, no claim is made to the accuracy of the information and we are not responsible for any consequences that may result from the use of information in this publication. The use of this publication does not create an attorney-client relationship between U.S. LawShield, any independent program attorney, and any individual.