CCW SAFE Review [2024]: Written by a Firearms Attorney!

When it came time for me to choose a CCW insurance to cover me, I realized that comparing the different services was no simple task.

Being a lawyer and a licensed insurance intermediary I started looking at the different policies and their fine print. One of the most popular and loved concealed carry insurance options was CCW Safe.

What stuck out to me on CCW Safe was that they actually offered unlimited legal coverage for concealed carry defense from a legal “dream team” (I’ll explain later). However, is it actually worth it? And which package should someone get – which I’ll admit is a bit confusing.

So, in this CCW Safe review, I’m going to explore the details about the legal services and coverage they provide so that you can make an informed decision about whether CCW Safe is the right for you based on your situation.

However, what I can tell you is this: After comparing the main CCW insurance options available, I purchased CCW Safe for me and my family.

Also, while I am a firearms attorney, please note that this review of CCW Safe’s coverage and insurance does not constitute as legal advice.

But before we begin, I want to let you know that some of the links below are affiliate links that can help us keep our ammo budget going but they will NOT affect your price nor do they affect our advice.

In this CCW Safe review, we’re going to cover:

• What is CCW Safe?
• How Much Does CCW Safe Cost?
• What Does CCW Safe Cover?
• Which Plan is Right for Me?
• CCW Safe vs Other CCW Insurance
• CCW Safe Review: Our Take
• Pros and Cons to CCW Safe
• Final Grade on CCW Safe

However, if you’d like to just jump to whether I trust them, and whether or not they are better or worse than the other CCW insurance options out there, then you can hop over to our Best CCW Insurance Comparison.

Why I’m Qualified to Review CCW Insurance

Let’s face it – reviewing insurance policies for CCW can make ones eyes cross. Most reviewers just go to the home page and take things at face value. However, if you really want to understand ‘actual’ coverage, you need to read the fine print in their policies.

Being a firearms attorney AND a licensed insurance intermediary, I know what to look for. Plus I’ve been a guest on major news outlets for CCW and Gun rights topics.

In working to figure out what CCW insurance I would feel safe using, I not only read every insurance policy at ad nauseam, but talked with the companies, and their lawyers to ensure each caveat was fully defined. Plus, I’ve had to update this review over the years as their policies have changed.

Needless to say, it takes a professional to figure out which CCW insurance actually has you covered.

What is CCW Safe?

CCW Safe offers funding for your legal protection for self-defense scenarios. Although these services aren’t really “CCW insurance,” it’s the easiest way to explain what they provide.

It can be VERY expensive to defend using your firearm in self defense. If you need to defend against a murder or manslaughter charge, expect to pay at least a few hundred thousand dollars. Mind you, this may apply even if you do everything correctly.

As an attorney, one of the first things I tell my clients when they’re trying to figure out how to handle a particular problem is “it’s often better to avoid a fight than it is to win a fight.” That’s because “winning” can be VERY expensive when legal costs are involved. That’s why having self defense insurance is a good idea because regardless of whether or not you intend anything – you may find yourself in a self defense situation.

How Much Does CCW Safe Cost ?

CCW Safe’s plans range from $149 to $499 per year depending on the legal protection you’re interested in and your status as a First Responder and/or CCW holder.

Here’s a basic summary of each CCW Safe plan with the monthly and annual cost for each plan. In the next section, we’ll get more into the specifics of what each CCW Safe plan covers.

If you still want some help deciding on which plan to get, check out our Which CCW Safe Plan is Right for Me? section below.

CCW Safe Plan Pricing

What Does CCW Safe Cover?

It is important to know exactly what is and isn’t covered by CCW insurance companies. Two of our three “must haves” in concealed carry insurance (covered in more detail below) are getting your money up front and the ability to choose your own lawyer.

All three of our “must-haves” are covered by CCW Safe. Unfortunately, not all CCW insurance providers offer these benefits.

So, to help you make up your mind with CCW Safe, here is what they offer.

What They Offer:

Unlimited Criminal Defense Protection: Please know that you can be prosecuted even if you are innocent! This means that you can be involved in a perfectly justified self-defense shooting and you might still be paying a few hundred thousand to defend yourself.

Unlike some other concealed carry insurance options, CCW Safe offers UNLIMITED criminal defense protection.

If you choose to carry a firearm for self defense and you choose not to have CCW legal protection coverage like CCW Safe, then please be prepared to come up with this money on your own.

Unlimited Civil Defense & Liability coverage: In addition to potential criminal defense costs, you might have to defend yourself against civil (non criminal) lawsuits from the person you shot, their family members, or others. These costs can actually be higher than your criminal defense costs.

Again, while some other options place a limit on the amount they’ll cover, CCW Safe provides an unlimited amount of coverage.

Up Front Money: CCW Safe provides needed money up front. This is a significant feature – if the ccw insurance company you’re looking at doesn’t offer this, run! After all, what good is it to get a $500,000 reimbursement check if you already had to uproot your life and/or sell everything you own to come up with the money in the first place?

If you’ve got a few million dollars sitting around just in case you need to use your firearm in self defense, then you can stop reading, this may not be for you.

Bail: Unless you want to stay in jail until your trial is complete, you might want bail money coverage. Depending on your plan, CCW Safe provides up to $1 million in bail coverage.

Per Diem: In addition to the actual legal expenses you might incur after using your CCW to defend your or your family’s life, you should also consider any money you’re going to lose by not being able to work while you’re sitting in a trial (which can be months in extreme situations).

This is another “must have” feature for us: a daily amount you get paid to cover your loss of income called a “per diem.” CCW Safe pays up to $350 per day.

What’s Not Included:

No Sales in NY, NJ, WA: Just recently the local governments for these three states banned the sales of “CCW insurance” programs. This doesn’t necessarily mean that your CCW insurance won’t work if you’re visiting there, it just means you can’t buy it if you live here. We’ve read information online that claims that CCW Safe can still cover residents in these states because of their unique structure, but these simply aren’t true. Unfortunately, CCW Safe confirms that they can not sell coverage to residents in these states.

Training and Resources: Unlike other options, like USCCA, they do not focus on a library of training and resources.

Which Plan is Right for Me?

One thing that I don’t like is that CCW Safe has 8 different plans to choose from. This can be a lot. However,

As we mentioned above, I can’t tell you what plan is specifically best for you and your situation. However, after having read all the policies, I’ll break down the different criteria you should use to then help understand what group of packages are best for your needs.

If You Are a Concealed Carry Permit Holder: 

If you’re a valid CCW holder, you’re likely going to want one of the CCW plans: either Protector, Defender, or Ultimate (this is the plan I purchased).

There are effectively two plans/coverage levels: the basic, and more affordable, level is Defender whereas the premium plan is Ultimate.

The third plan, Protector, is effectively a price discount on the basic Defender plan for retired law enforcement or military.

These plans cover concealed carry with a permit (or HR 218) across the country (47 states).

If You are a Concealed Carrier in “Constitutional Carry” State: 

If you live in a state that allows concealed carry without a permit AND you don’t have a permit, then Constitutional Carry is likely the plan for you.

This plan only covers in your home state.

If You’re Only Looking for Coverage in your Home: 

If you aren’t “out and about” carrying a concealed firearm and only want legal protection while insid eyour home, then the Home Defense plan may be for you.

Note: all plans by CCW Safe cover your family (children under 18) while in your primary residence.

My Personal Take on CCW SAFE

When I first started looking for a CCW insurance for myself and my family, I quickly realized that not all concealed carry insurances were the same. It was incredibly hard to compare apples to apples. Even more so, was that CCW Safe had so many options to choose from.

However, after I read through all the different policies and even conducted interviews with representatives asking some of the hard questions, it became clear that CCW Safe was the best options based on what I feel is important for coverage.

It is very clear that CCW Safe has arguably the best legal coverage available for concealed carry and would be a great option for most people. They earned the #1 spot in my Best CCW Insurance Guide but that’s only because the #2 spot places limits on the amount of coverage they offer.

So with that said, let me break out even more what I specifically love about CCW safe:

What I like about CCW Safe: 

The legal team and legal experience of CCW Safe is very strong. This is not to say that other providers don’t also have good legal support. In fact, I know of a subject matter expert firearms attorney that works for both USCCA and CCW Safe.

However, CCW Safe is the only legal service provider for concealed carry that has successfully defended a self-defense 1st degree murder case.

I also like what I’ve heard about their response after their services are called upon.

What I don’t like about it: 

Although you can choose your own attorney, the attorney must be vetted through CCW Safe. This is difficult for me to include in the “I don’t like” section. Honestly, it is quite reasonable that they would want to have some control over the choice of legal representation.

So, Did I choose CCW Safe? 

CCW Safe is a strong contender if you’re considering legal protection for CCW.

As you can see, in the end, out of all the CCW insurance options, I choose to go with CCW safe. It fit all of my needs and gave the best coverage at a decent price.

CCW Safe Pros and Cons

Still Not Sure? CCW SAFE vs Other Insurance Options:

CCW Safe offers best-in-class legal defense coverage with no limits for criminal or civil defense coverage.

Although there are other options with no coverage limits, they can lack other important features that CCW Safe has like getting your money up front, picking your own lawyer, or getting a daily per diem payment.

And USCCA offers those important features plus a TON of extra training and resources, however, they place limits on the amount of criminal and civil defense they’ll cover.