CCW SAFE Review [2020]: Written by a Firearms Attorney!

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.

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.

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.

CONCEALED CARRY PERMIT PLANS

If you have a valid concealed carry permit (CCW), these are the plans you should be looking at.

NON-CCW PLANS

If you live in a “Consitutional Carry” state and don’t have a valid CCW or if you are only looking for protection within your home, these are the legal protection plans you should be looking at.

WHAT CCW SAFE OFFERS

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 WITH CCW SAFE

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?

If you’ve been looking into legal protection for self defense, you already know that it can be difficult to determine what each plan offers and which is right for you.

As we mentioned above, we can’t possibly tell you what plan is best for you. Heck, we can’t even tell you if this type of legal protection is right for you (let alone which plan to get).

However, to try and clear up some confusion, here is a summary of who each CCW Safe plan is best for:

Concealed Carry Permit Holders: 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 pland for retired law enforcment or military.

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

Concealed Carriers in “Constitutional Carry” States: If you live in a state that allows concealed carry without a permit AND you don’t have a permit, then Constituional Carry is likely the plan for you.

This plan only covers in your home state.

Those Looking for Coverage in their Home Only: 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.

CCW SAFE REVIEW – OUR TAKE

The choice whether to get CCW insurance coverage, and which CCW insurance is best for you, is a personal choice for you and your family to make based on your specific circumstances, budget, risk tolerance, and more. This is true of any “insurance” decision.

However, I’m going to review CCW Safe to help you make the best decision.

The easy part up front: 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 our Best CCW Insurance Guide but that’s only because the #2 spot places limits on the amount of coverage they offer.

When looking at CCW insurance options, we strongly recommend choosing an organization that AT LEAST includes our three basic concealed carry insurance requirements:

1. The ability to choose your own attorney
2. Money up front, and
3. A daily allowance (per diem) to help offset time off of work

CCW Safe has all three.

What we 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, we know of a subject matter expert firearm attorney that works for both USCCA and CCW Safe.

However, CCW Safe is the only legal service provider for concealed carry that claims it is the only company to successfully defend a self-defense 1st degree murder case.

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

What we don’t like about CCW Safe: Although you can choose your own attorney, the attorney must be vetted through CCW Safe. This is difficult for us to include in the “we don’t like” section because, honestly, it is quite reasonable that they would want to have some control over the legal team being used if they want you to be successful and don’t want to waste money.

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

In fact, we’ll go so far as to say that it appears to be the best legal coverage. However if you’re looking for a lot of extra training and resources, you might want to check out USCCA.

CCW Safe Pros and Cons