If you’ve heard of Right to Bear Insurance and you’re looking to see if they’re the right concealed carry insurance for you (more accurately called self defense liability insurance), we’ve got some good news: we’re going review Right to Bear, explain their coverage options, and give you some pros and cons to help you make an informed decision.
In this Right to Bear CCW Insurance review, I’ll take a deep dive into their policy and I’ll let you know what you can expect and whether or not I think Right to Bear is worth it for you and your family.
Although I am a firearms attorney, I’m not YOUR attorney – this is not legal advice and only you can decide whether self defense insurance is right for your situation (and which provider to choose). This stuff is a bit more complicated than your standard car insurance, homeowners insurance, or life insurance.
WARNING: We don’t recommend!
Because of a few problematic areas of Right To Bear’s coverage (detailed below) we can not recommend them currently. However, they are actively working to improve these areas and we look forward to updating this review when they do.
If you’re looking for coverage now, you should check out CCW Safe. They’re who I chose for myself and my family and received our #1 ranking for best CCW insurance.
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 about the insurance policy.
In this Right to Bear Insurance review we’re going to cover:
- Who/What is Right to Bear?
- How Much Does Right to Bear Coverage Cost?
- What Does Right to Bear Cover?
- Pros and Cons to Right to Bear Self Defense Insurance
- Right to Bear vs Other CCW Insurance
- Right to Bear Review: Our Take
- Final Grade on Right to Bear
In the next couple of sections I’m going to cover the features, pricing, and what we do and don’t like about what Right to Bear offers. However, if you’d like to know how I rank Right to Bear against other gun liability insurance providers, check out our Best Concealed Carry Insurance Comparison.
What is Right to Bear Insurance?
Right to Bear, like other concealed carry insurance providers, isn’t technically “insurance.” Instead, these “ccw insurance companies” provide legal support for self-defense scenarios.
Right to Bear has a strong backing in the firearms industry as they are a related business to Palmetto State Armory. This is how they can offer sign-up promotions like $100 off a purchase at Palmetto State Armory for signing up for Right to Bear’s highest tier of coverage.
We’ve had a few conversations with them so far and are happy to report that they are great to deal with and they are striving to improve every day. It honestly makes me feel bad to write a non-positive review of them because I like them. However, you come to Gun University for the truth and not just marketing fluff – so that’s what you’re getting.
The changes they plan to make are really good – we look forward to coming back and changing this review once they’re made.
Is self defense liability support needed?
Unfortunately, the fight can be even more difficult AFTER you’ve used your firearm in self defense. The government may try to prosecute you for a crime or the person you shot, or their relatives, can sue you in court for damages.
As you can imagine, dealing with legal fees, lawyers, and more can be VERY expensive – especially if you lose and are ordered by the court to pay someone that sued you. Spending a few hundred thousand dollars, or more, is not uncommon just to get a defense started in a criminal case.
I’m known for telling my clients that “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.
Right to Bear insurance exists to help cover the costs associated with your legal defense in both criminal and civil cases.
How Much Does Right to Bear Coverage Cost?
Right to Bear self defense coverage ranges from $115 to $595 year depending on the plan chosen. There are also monthly payment options available that range from $10.95 to $50.95 per month.
Their lowest monthly tier is the second least expensive option available.
Right to Bear Insurance Coverage Details
|Criminal Defense Max||$25,000*||$250,000*||$500,000*||$1,000,000*|
|Civil Defense Max||$25,000*||$250,000*||$500,000*||$1,000,000*|
|Pick Own Attorney?||No||No||No||No|
|Money Up Front?||Yes||Yes||Yes||Yes|
|Per Diem Max||n/a**||n/a**||n/a**||n/a**|
* Maximum per incident total (civil and criminal share this max amount)
** Per diem available at $200/day for max of $1,000 as extra charge of $35
What Does Right to Bear Cover?
Before we get into what RTB covers, it’s likely valuable to explore some broad areas of coverage common among the major self defense insurance providers.
After all, you’re a gun owner looking to exceercise your second amendment rights and you want to be covered in case you need to use your firearm in self defense to protect yourself and yout loved ones from violence.
As gun owners, gun ownership is a right we enjoy in the United States but it does come with responsbilities and requires a focus on gun safety.
First each of them charges a different amount and offers a different max dollar amount of coverage. This can be misleading as it is often the first and only thing someone looks at when they’re purchasing coverage: dollar amount of max coverage versus the dollar mount of monthly cost.
Second, and perhaps most important, they don’t cover the same things nor for the same amounts. This is EXTREMELY important as a lot of money that can only be used in certain areas or doesn’t even apply to you because of a loop-hole is not always wise.
Here’s the problem: It can be very tough to wade through all the differences by reading the actual legal paperwork and policies but only you can decide which features are most important for you.
Here’s my advice: if you decide to get coverage, learn about what each company actually covers and then choose the one that you can afford and gives you the best protection for what’s important to you.
Also, I have a set of 3 baseline rules that I feel strongly about and I think that you should make sure your chosen ccw insurance has these three things (at a minimum):
- Money up front
- Ability to choose your own lawyer
- Daily “per diem” payment while in trial
I’ll address these must-have ccw insurance features along with some of the other features to see how Right to Bear “stacks up” so you can decide if they’re right for you.
Criminal Defense Protection: Even if you think, and your friends all agree, that your defensive gun use was justified, you might still be prosecuted! Your criminal defense can be very expensive (it’s not unreasonable for things to START at $200,000) and RTB’s top-tier platinum plan offers $1,000,000 coverage per occurrence for $595 per year. However, that’s the maximum per incident and that total must be shared with any civil defense coverage below.
Civil Defense & Liability coverage: Right to Bear requires that any amounts for your civil defense and criminal defense together must not exceed the maximum per-occurrence amount. Therefore, it’s very difficult to break-out how much RTB offers for civil vs criminal. Unfortunately, even if you aren’t prosecuted because law enforcement or the courts determine you were justified in your self defense, you can can be sued by the person(s) you had to defend yourself against and/or their families.
Up Front Money: If you need money for your legal defense, you need it up front. Reimbursement is nice, but if you can cover a few hundred thousand dollars on your own in case of a self defense gun use, perhaps insurance is not right for you? Right to Bear pays legal fees directly for legal fees but only offers bail coverage as a reimbursement.
Bail: For the prices shown above in the table of plans, bail bond coverage is not included. You would have to pay an extra $75 to be able to have coverage that includes reimbursement of your bail bond.
Per Diem: While you’re in court for trial, there’s a good chance you won’t be able to work. After weeks or months, this can be a serious strain on your finances in addition to defense costs. This is one of our 3 required features and it is only offered by RTB is you pay an extra $35 in your premiums. Also, their per diem is $200 per day with a max of 5 days of coverage ($1,000 Total).
What’s Not Included With Right to Bear:
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 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. However, this is a limitation for all CCW insurance services right now.
Choosing Your Own Attorney: Even though there are some other issues that I’m going to cover below, this is a major reason why I can’t recommend Right to Bear CCW Insurance and is a red flag for us. I don’t care about how much money you have from an insurance company and which areas of your defense are covered if you don’t have any say in choosing your actual lawyer. A smaller amount of money for a great lawyer is WAY better than unlimited money thrown at a bad lawyer. Also, I’m fundamentally against any system that limits your freedom of choice.
Right to Bear vs Other CCW Insurance:
It is almost impossible for me to say which ccw insurance is “best” overall because everyone’s situation, budget, and risk tolerance is unique. However, I can say that I do not currently recommend Right to Bear for your firearms legal protection.
Right to Bear is working on improving their coverage and, when they do, I look forward to updating this review and hopefully changing my recommendation.
I purchased CCW Safe for myself but I encourage you to look to take a good look at these companies to see which is best for you and your needs.
|Feature||CCW Safe||USCCA||Second Call Defense||ACLDN||U.S. Law Shield||Right to Bear|
|Criminal Defense Max||Unlimited||Unlimited||$100,000||Unlimited*||Unlimited||$1,000,000 (shared w/civil)|
|Civil Defense Max||Unlimited||Unlimited||$1,000,000||Unlimited*||Unlimited||$1,000,000 (shared w/civil)|
|Civil Liability Max||$1,000,000||$2,000,000||$250,000||$0||$0||$1,000,000 (shared w/defense)|
|Pick Own Attorney?||Yes||Yes||Yes||Yes||No||No|
|Money Up Front?||Yes||Yes||Yes||Yes||Yes||Yes|
|Per Diem Max||$250||$750||$500||n/a||n/a||$200 (extra fee)|
Right to Bear Review – Our Take
This brings us no joy: we can not recommend Right to Bear insurance.
There are other better options available in our Best CCW Insurance Guide.
So, why can we not recommend Right to Bear?
For any concealed carry insurance option, we strongly recommend looking for three basic ccw insurance requirements:
- The ability to choose your own attorney,
- Money up-front, and
- A daily allowance to help offset time off work
Right to Bear only offers 2 of these three basic “must-haves” and charges an extra fee for one of them: a daily allowance for time off work. And, that allowance is only good for 5 days at $200 a day.
Unfortunately, without being able to choose your own attorney and with having to pay extra for a fairly minor per diem coverage, it doesn’t not pass our basic test.
However, upon reading the policy from Right to Bear I have more concerns.
My first concern is a BIG one: you MUST pay back all money that Right to Bear spent on your case if your initial verdict is guilty (no option for appeals). As you surely know, trial courts sometimes get things wrong and appeals are very valuable. Not only is there zero coverage allowed to cover your appeal, you’re required, according to the legal contract with RTB, to pay back everything right away.
Second, there are some very odd limitations in their coverage. For example, if you are on property owned by a religious institution, you’re not covered. Or, if your firearm is “modified” from the factory configuration, its use is not covered.
Again, we’ve spoken with them and addressed our concerns in their policy and their coverage. They seem very receptive and seem interested in making their coverage on par with the best available.
However, as it stands now, we can not recommend you use Right to Bear for your CCW Insurance and encourage you to check out our Best CCW Insurance list to make a decision on which one is right for you.
Right to Bear Pros and Cons
- Low Price
- Optional Add-Ons
- Bail Coverage must be Added
- Can’t pick Your Own Lawyer
- Per Diem low and must be added
- Must pay back all money if you don’t win first case
One of the lowest cost options available
The legal defense dollar amounts seem reasonable but are effectively cut in half as they must be shared by criminal and civil cases
Some nice features, but it is missing 2 of our required 3 features and things like per diem and bail coverage cost extra
Low cost, but not near as many featuers or coverage as other options
Reviewed by Ryan Cleckner
Based on 2 Reviews
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