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Thread: Concealed carry insurance

  1. #1

    Concealed carry insurance

    Fairly new to this forum and i searched but did not find the answer, so i figured i would ask you all.

    I am not sure if you all have been watching the news but there has been a string of attempted robberies of internet centers. Well the one i work at has a no knives or weapons sign on the door. Of course the criminals are not paying any attention to the sign. Now we do have armed security but this has not deterred the robbers as we have had two attempted robberies. My manager was going to see if the people who work here with cwp can carry their weapons. When i brought this to one of our security guards, he felt like this was a bad idea. He also mentioned his armed security license carried insurance in the event he shot someone and they tried to sue him. So my question is, do any of you people with cwp carry any type of insurance?
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  2. #2
    Distinguished Member Earl 007's Avatar
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    I don't have Ins. . As long as your boss doesn't tell you not to carry your good , the sign has no weight of law behind it, except if asked a person with a CWFL must leave to avoid an armed trespass charge . If it's me working there I'm packing on the down low or secretly . How many BG's can read or care ?
    Florida CWFL Member NRA , Florida Carry

  3. #3
    Distinguished Member CrackerKen's Avatar
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    I don't have any insurance, but I plan to do so quite soon. The Martin/Zimmerman is a good example of potential financial ruin, and there are many more. In a scenario such as the one at your casino, excuse me, Internet cafe, I believe things would be more open, with witnesses, and a less questionable outcome. However, I cannot fault the need for insurance.

    I'm going to join the Armed Citizens Legal Defense Network:

    http://armedcitizensnetwork.org/join-the-network

    The NRA and others offer such coverage as well. I like the above the best.
    An uneducated voter is the politicians friend.

    CAN'T, never did anything.

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  4. #4
    Distinguished Member Earl 007's Avatar
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    Thank's for the link Ken , I'm putting it on my to do list after zimmerman it's something I wanted to find . For peace of mind but it's going to have to wait a month or 2 . Work is slow and I have a new roof to deal with next month so right after my wallet recover's I'll be signing up and buying more obummer bullets just in case !
    Florida CWFL Member NRA , Florida Carry

  5. #5
    Well i already have an attorney setup for if someone tries to sue me at work, and the castle doctrine seems like i would be protected from any liabilities at home, work or in my vehicle, but i would not be covered in any other place. Insurance seems like a good way to go for peace of mind. Better to have and not need than need and not have. Thanks for the link. I remember getting something from the NRA about carry insurance, but i misplaced it.

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  6. #6
    Member tattootoe's Avatar
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    Interested in any Lawyers input on this as well as anyone else. Any experience with this type of insurance? This is one of the I didn't think about when I first sat down for the CWFL class, but it is quickly becoming a top interest of mine.

  7. #7
    Distinguished Member deaheat's Avatar
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    4,000 dollar retainer with my lawyer
    Quote Originally Posted by SGB View Post
    Here is the problem, the son-in-law wasn't a zombie and she didn't shoot him in the head.
    Quote Originally Posted by SIGnature View Post
    Would it be simpler if we just stipulate on every single thread, no matter what the subject, no matter what the question, and no matter how relevant that you would interject OC? If so, then please consider it so stipulated.

  8. #8
    Member doctorbob's Avatar
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    Quote Originally Posted by xdm40rajuy View Post
    Well i already have an attorney setup for if someone tries to sue me at work, and the castle doctrine seems like i would be protected from any liabilities at home, work or in my vehicle, but i would not be covered in any other place. Insurance seems like a good way to go for peace of mind. Better to have and not need than need and not have. Thanks for the link. I remember getting something from the NRA about carry insurance, but i misplaced it.

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    OOOHH, I was just waiting for someone to raise this issue....

    Dude, the Castle Doctrine protects you from NOTHING. If you shoot someone, there is definitely going to be an investigation to determine if the DA thinks you should be prosecuted. Good news would be that s/he thinks, right off the bat, that there is no question you were in the right. Bad news is the person you shot (or their living relatives) start making a stink, playing the race card, etc. Then you might have to defend yourself. Or, the police want to question you about the shooting -- Do NOT talk to the police other than to say the 5 limited things layed out by ACLDN and Mas Ayoob. Now you need a lawyer - how are you going to pay him/her?

    I can't imagine owning a house without insuring it. I can't imagine owning a car without insurance. Why would anyone even think about carrying a weapon without having liability insurance?

    since you are new to this whole gig, you really should consider joining ACLDN if only to get their instructional material. They do not offer liability insurance but do provide excellent backup.

    Here is the article I wrote for my club's website:

    Several companies provide insurance for various purposes. You may insure your weapons in case of theft as well as provide coverage for legal fees in the case of a concealed carry "event". Some options are provided below. This is not, nor is it intended to be, an exhaustive list but may get you started with a few options.

    --------------------------------------------------------------------------------

    NRA
    $7,500 NRA Members Benefits at NO COST As an NRA Member in good standing, you're now entitled to $7,500.00 in NO COST benefits ($12,500.00 for Life Members). You cannot be turned down.

    But activation is required for this complimentary privilege.

    •$5,000.00 NO COST Accident Benefit:
    Your loved ones will receive a check for $5,000.00 ($10,000.00 for Life Members) if you fall victim to a fatal covered accident. No strings attached. No cost involved.
    •$2,500.00 NO COST ArmsCare Benefit:
    Lock in an exclusive NRA safety net for your firearms. Protects against theft … loss … or damage. Of course, no registration of your guns or serial numbers are required.
    ------------------------------------------------------
    For NRA Members ONLY
    Property & Liability Insurance

    • ArmsCare Plus Firearms Insurance – Only you know how valuable your firearms are and $2,500 of coverage may not be enough. ArmsCare Plus covers you when your homeowners policy falls short.

    • Gun Collectors Insurance – This economical plan provides coverage for your personal gun collection.

    • Excess Personal Liability – Because accidents do happen no matter how careful you are

    • Firearms Instructor Liability – Liability & Professional Liability available for coverage when you are teaching others.

    • Self-Defense Coverage – Provides liability coverage including civil and criminal defense when you’re involved in an act of self-defense.

    • Retired Law Enforcement Officer Self-Defense Insurance – Discounted self-defense coverage designed specifically for retired and off-duty law enforcement officers. NEW!

    • Gun Show Liability Insurance – Gun show promoters are now able to protect their assets.
    ___________________________________

    NRA Self defense insurance
    http://www.locktonrisk.com/nrains/defense.htm

    This is a less than fully comprehensive excess liability insurance plan with coverage limits up to $250,000 Combined single limit with a $50,000 sub-limit for criminal defense reimbursement. The plan covers both criminal and civil defense. But , read the plan information carefully. It may only provide reimbursement in some cases and you will have to front some money yourself. Reimbursement for criminal defense is contingent upon dismissal or acquittal of the criminal charges.

    Read the certificate of insurance VERY carefully. http://www.locktonrisk.com/nrains/fo..._Insurance.pdf

    This is a true insurance policy but has some significant limits regarding coverage. Remember that it is excess liability coverage which means that other policies/coverage you have may have to pay first and in criminal cases, you must pay for your own defense and be reimbursed only if you win.



    Self Defense Insurance

    here is a brief listing of organizations that may provide help and/or support in the event of a problem which involves $ liability.

    Keep in mind that if you are involved in a self defense event, you will come under scrutiny of the gendarmes and may/should require the assistance of an attorney versed in Self Defense law. The involvement may be civil, criminal or both.

    These several programs provide different degrees and areas of coverage. You are well advised to consider all of them rather than just one. Being involved in a self defense situation is probably less likely than getting hit by a bus while crossing the street, but it can be just as devastating! It means you WILL require legal representation and you may be subject to considerable costs in defending yourself from the legal system (which has, effectively, unlimited resources compared to you). Having done lots of expert witness work in my career, I can tell you that there is no such thing as a fair trial – from the defendant’s perspective – only better attorneys and witnesses.
    ___________________________________
    ACLDN – The Armed Citizens Self Defense Network.

    ACLDN provides comprehensive education regarding self defense. They send you videos with your initial membership, have a network of attorneys and expert witnesses who will evaluate your case and provide expert advice and testimony if required. The will make an initial fee deposit of up to $5000 to a network attorney to provide representation during questioning. DO NOT PROVIDE OTHER THAN ESSENTIAL DETAILS TO ANYONE PRIOR TO BEING REPRESENTED.

    Network members are also eligible for additional grants of financial assistance.

    ACLDN has a monthly journal detailing many aspects of self defense as well as other benefits.

    Please review the information on their website. I think this is a VERY inexpensive way of obtaining information and help of exactly the type you may need. http://armedcitizensnetwork.org/join

    Cost is $85 per year and $650 for 10 years.
    ____________________________________

    CHLPP – Concealed Handgun Licensee Protection Plan - http://www.chlpp.com/index.html

    “A CHLPP member is covered for any exposure of the member's weapon in any use of force in a self-defense incident in any state that recognizes a CHLPP member's Concealed Handgun license”

    “CHLPP will retain an experienced qualified local criminal defense attorney where you were arrested. The attorney CHLPP retains will pursue the member's case until there is a dismissal, no-bill by a Grand Jury (in those states which have a Grand Jury system), and the return of all your seized firearm(s) and related property. With CHLPP there are NO deductibles, co-pays, or limits. CHLPP members pay nothing out of their own pockets.”

    CHLPP does not cover civil liability expenses. This is an important distinction. This is not exactly an insurance plan and may not have to provide state insurance commissions with the information required by true insurance programs. I do not know how reliable the plan may be nor is there an easily confirmed track record of defenses.

    Cost is $129 per year with a discount for multiple year memberships. Read their website carefully and do a Google search for additional information
    Last edited by doctorbob; 08-12-2012 at 11:24 AM.
    'Guerir quelquefois, soulager souvent, consoler toujours.'

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  9. #9
    Distinguished Member deaheat's Avatar
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    A person who uses force as permitted in s. 776.012, s. 776.013, or s776.031 is justified in using such force and is immune from criminal prosecution and civil action for the use of such force...
    Quote Originally Posted by SGB View Post
    Here is the problem, the son-in-law wasn't a zombie and she didn't shoot him in the head.
    Quote Originally Posted by SIGnature View Post
    Would it be simpler if we just stipulate on every single thread, no matter what the subject, no matter what the question, and no matter how relevant that you would interject OC? If so, then please consider it so stipulated.

  10. #10
    Quote Originally Posted by deaheat View Post
    A person who uses force as permitted in s. 776.012, s. 776.013, or s776.031 is justified in using such force and is immune from criminal prosecution and civil action for the use of such force...
    Isnt that what the castle law states?

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