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. Unfortunately, not all CCW insurance providers offer these benefits.
So, to help you make up your mind with CCW Safe, here is what they offers.
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 stil 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.