Personal Firearm Liability Coverage

Why would you need to have Personal Firearm Liability Coverage? What happens if you, as a law-abiding citizen is actually forced to use a gun to protect yourself, a loved one, or your personal property? There will be an investigation – and potentially a criminal trial. Even an eventual acquittal provides no guarantee that the “victim” or your family members won’t sue in civil court.

Many homeowner policies specifically exclude firearm use – even in self-defense – as a covered exposure, deeming it to be an intentional act. That leaves the gun owner personally liable for legal expenses, bail bond costs, and any judgments awarded through a civil action.


Coverage Highlights

Civil Actions – Legal Defense: Provides expert legal counsel to protect you against civil litigation arising out of the covered use of a firearm for self-defense.
Civil Actions – Indemnity: In the event of an adverse civil judgment occurring from a covered event, the policy will pay monetary awards (up to the limit of liability).
Criminal Actions – Legal Defense Reimbursement: Policy will reimburse insured for reasonable legal expenses incurred while defending him/herself against criminal charges arising from the use of a firearm in self-defense (up to the limit of liability).
Criminal Actions – Legal Defense Retainer: Advances funds to the insured to cover the cost of retaining legal counsel to defend against a criminal action.
Criminal Actions – Bail Bond: Advances funds to cover the cost of securing a bail bond.
Compensation While in Court: Compensation for loss of earnings resulting from time off taken from work to assist the insurance carrier in the investigation or defense of a covered claim.
Firearm Theft Civil Liability: Provides legal defense for civil actions resulting from bodily injury/property damage caused by firearm stolen from the insured.
Psychological Sessions: Reimbursement for therapy sessions with a licensed professional to help the insured cope with the trauma associated with using a firearm in self-defense.
Legal Defense Hotline: Access to a hotline staffed by legal professionals. This service provides advice on questions relating to the use of a firearm in self-defense.


Frequently Asked Questions

Can a police officer get this coverage
Available in all states?
Does this cover the insured outside the home – assuming concealed carry license?
Does this liability policy also pertain to air firearms?
Is this pricing per firearm or inclusive for all owned firearms?
With the varying gun laws from state-to-state, does this cover you nationwide? Outside the country?
Does this include a hunting liability?
Does this coverage cover accidental discharge off premises and in particular competitive shooters?
Do you have to have a list of household members for the policy (named insureds)?
Does this cover concealed carry incidents outside the home?
What about accidental discharge outside the home?
What does the theft cover?
Are there exclusions for National Firearms Act (NFA) items?
Would a business owner of a pharmacy or check-writing business be covered if they fire in defense of themselves or employees?