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

by Ryan Cleckner

March 29, 2024

42 comments

4.2
(295)

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.

Unlimited legal defense coverage and what we purchased for us and our families.

Have an opinion on this product? Click to leave your review

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:

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

Ryan Cleckner is a firearms attorney and licensed insurance intermediary.

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

FeatureDefenderProtectorUltimateConstitutional CarryHome Defense
Plan SummaryBasic CCW Plan"Defender" plan for Mil/LEPremium CCW Plannon-CCW Carry StatesIn Home Only
Monthly Price$18$16n/an/an/a
Annual Price$209$179$519$299$299
See PlanSee PlanSee PlanSee PlanSee Plan

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 ProtectorDefender, or Ultimate (this is the plan I purchased).

The 3 best options for concealed carry permit holders for CCW insurance coverage with CCW Safe

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

  • Unlimited Criminal Defense Coverage
  • Unlimited Civil Defense Coverage
  • Legal Dream Team
  • Choose Your Own Lawyer
  • Daily Per Diem
  • Money Up-Front
  • Limited Extra Training or Resources
  • Your Attorney Must Be Approved

Report Card

Cost

The price is competitive with the higher-end CCW insurance options and you’re getting arguably the best legal coverage.

A
Coverage

Best in class legal coverage.

A+
Features

They provide or “must have” requirements in addition to valuable deep-dive legal analysis of real self-defense use cases.

A
Value

Although no extras are included, you’re getting solid legal coverage for the price.

A-
CCW-SAFE-FINAL-GRADE-REVISED

Our Grade

A+

Reviewed by Ryan Cleckner

Reader’s Grade

A

Based on 27 Reviews

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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.

FeatureCCW SafeUSCCASecond Call DefenseACLDNU.S. Law ShieldRight to Bear Firearms Legal Protection
Monthly Cost$16-42$29-49$10-35$12$11$11$17-45
Criminal Defense MaxUnlimitedUnlimited$100,000Unlimited*UnlimitedUnlimitedUnlimited
Civil Defense MaxUnlimitedUnlimited$1,000,000Unlimited*UnlimitedUnlimitedUnlimited
Civil Liability Max$1,000,000$2,000,000$250,000$0$0Unlimited$0
Pick Own Attorney?YesYesYesYesNoYesNo
Money Up Front?YesYesYesYesYesYesYes
Per Diem Max$250$750$500n/an/an/a$300
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About Ryan Cleckner

Ryan is a former special operations sniper (1/75 Ranger) and current firearms attorney, firearms industry executive, university lecturer, and bestselling author of the Long Range Shooting Handbook.

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42 COMMENTS

  1. I seen That you do not cover a person that is on Some type of Medication can you give me a list of meds

  2. There are a few errors in your coverage table

    Ultimate Plan
    1) Civil Liability is $1.5M not $1M
    2) Bail is $1.5M not $1M
    3) Per Diem is $1000 a day, not $350.

    I didnt check the other plans for accuracy, but you should update your article.

    1. Thank you! We didn’t realize that they updated and improved this coverage. We’ve corrected the table.

  3. I may have missed it but after a incident do you provide a list of approved lawyers or just appoint one and if I choose not to have that lawyer represent will another be appointed.
    Secondly, ASAP after an incident I call presumably the number on the card ?
    Thank you for your time

    1. Hi Craig, we are not CCW Safe – we are only providing a review of their services. To learn more about how they operate, please reach directly out to them.

      However, it is my understanding that they will suggest approved lawyers or you can choose your own. Also, you should first call 911 after an incident and then call the number on the card.

  4. So you are covered for 100% of your defense costs for criminal and civil, but you loose the civil case and are responsible to pay one million dollars. Is there any company covering this exposure?

  5. Some of the coverage in each plan is vague and answers to selected coverage or elimination of unneeded portions are not discussed nor have the information so one could make a choice on what plan needed or wanted. It is nice to have the plans laid out showing the costs for each plan but the addons or elimination of addons isn’t readily discussed or shown where to go or who to talk to. These are some of the disconcerting parts of each CCWSafe plan and what cost for each add on or not addon shown…perhaps each plan should be explained in detail in this chart, not the review section.

  6. CCW Safe absolutely will not cover defending you in court if a violent ex-spouse or a violent child attacks you. While USCCA’s limits are frustratingly low $250,000.00 is a whole lot better than $0.00

  7. I had a CCW in Pennsylvania as soon as I turned 25. I later moved to Maryland where I could not show a need to have a CCW. So I carried without one. I have since lived in Florida, back in Maryland, and now retired to South Carolina. Never had another CCW after PA.
    As time went on, I developed the attitude that the 2nd Amendment was my CCW.
    My question is this; Can I get carry insurance without having a state’s permission to carry?

  8. Im a af veteran living in Mo. (a right to carry state. I am a state issue CCW permit. Am i able to be covered by the CCW Save protector plan?

  9. I live in Massachusetts and I have a License to Carry which allows me to carry any firearm that is legal in the state including concealed weapons. Am I eligible for the plans with the License to Carry? Second question. I was honorably discharged from the US Army in 1974. I am not retired from the Army. Am I eligible for the protector plan and what verification will be required?

  10. Sorry to rehash this topic, but I just started my insurance research. While I noticed that USCCA and CW Safe are both good in their own right, my concern is with the USCCA defense limit. Is $250,000 for criminal defense realistically enough in these days of mainstream/social media? Yeah, USCCA gives you extensive training videos, but I keep being drawn to CW Safe for its unlimited criminal defense fees. Is $250,000 really going to give me the “best” defense team?

    1. I like ccw safe, but I’m frustrated at the fact that permitless carriers are forced into a plan that costs twice as much as their plan that I would actually need. I live in a constitutional carry state and enjoy the freedom of not needing a license to carry, so my only option is$300?! No thanks.

  11. If CCW Safe represents me at a self defense trial and I loose my case, do I have to refund any of the cost they have incurred ?

  12. I purchased a plan since October 31, 2020 and to this date no one has contacted me nor have I received any correspondence concerning my protection plan.

  13. I live in Colorado. In a pretend scenario I need an attorney to represent me in a shooting in my home. I have CCW Safe. How is an attorney assigned to me in my state?

  14. (((in the contact for CCW Safe…)))

    Restrictions, Limitations, Notices and Exclusions:

    CRIMINAL ACTS: CCW Safe will not provide the services if the use of force incident is an intentional criminal act (i.e. robbery) (((ok, the scary words next….)))

    or where there is no admissible evidence of self-defense. (((define this!)))

    1. Exactly! I have not been able to get a response to this query. Who determines what is a “Self Defense” action and when is that determination made? Most important question, in my mind. Why not clarify this point if indeed their plan offers the coverage? I would think that would be the biggest selling point and not to be hidden in “legaleeze “.

  15. Ryan, your article was exactly what I was looking for, as a CCW Holder, i.e., a detailed comparison of ccw programs. Based on your comparison, I understand why you selected CCW Safe, however would you make the same recommendation for a retiree, where he/she would not require a daily per diem? In this case, wouldn’t ACLDN be a better choice as their plan provides the exact same benefits, with the exception of the per diem at half the cost vs. CCW Safe ? Again, thanks again for the article and responding to my question.

    1. GREAT question. It does look like an option for you to save some money. If you decide to go with them, we’d really like to hear how it goes as they are the company we have the least experience with.

  16. Both my wife and I have CCW permits. I’m also a retired LE office and have been issued LEOSA creds by my former agency for which I take a qualification test annually. Instead of signing up for their Ultimate plan, I was thinking of signing up for the Protector plan for me and the defender plan for my wife (though she may also qualify for the Protector plan as an Army Veteran). I think the two lower priced plans will give us about the same basic protection as the higher priced Ultimate plan. Am I right or is my rational flawed?

    Also, you stated that coverage is only good in 47 states. I read the part about the three states that do not allow the selling of such policies to their residents. But I thought that for non-residents of NY, NJ, and WA, we would be covered when visiting or passing through these states. Is that right?

  17. To me, the ability of not being able to choose your attorney isn’t a deal breaker. I think my biggest concern would be having qualified and vetted representation immediately after an incident and getting out of the jailhouse would be my most immediate concern. Branca and West, are very good at what they do and Im sure will be directing behind the scenes. I don’t even personally know any attorneys much less to being able to choose one as I don’t go looking for trouble, and I do an ever ongoing risk assessment at every turn.
    AATW, Alex
    assessment

    1. Great points, Alex. To me, the ability to pick your own attorney is less about using my own Rolodex (yes, I’m old) of attorneys and more about choosing to not use an attorney that I don’t like. The reason I overlooked this are is because of my trust in Branch and West. I included it to give a fair picture and also because I “dinged” other companies for not allowing free choice.

  18. Am I missing something? On the spreadsheet for the different plan features, you show “unlimited” coverage for a civil judgement on the
    DEFENDER plan but on the application portion you discover that there
    Is NO coverage unless you pay an additional $200.00 annually. Not a
    Case of bait and switch I hope.

    1. Thank you for finding that – there is unlimited coverage for civil defense but not damages. I have broken those two out into separate categories in the table.

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