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
Yes. With that said, coverage would not extend to his/her capacity as a law enforcement officer. Also,
these individuals may be required to carry their service weapons and could be involved in protecting
citizens while off-duty; these situations fall outside the intended scope of coverage.
Available in all states?
Yes, all states and the District of Columbia.
Does this cover the insured outside the home – assuming concealed carry license?
The policy defines an “Act of Self-Defense” as an act of defending oneself or others by the threatened or
actual use of a legally possessed firearm. This definition also includes the use of a firearm in rendering
emergency assistance solely at the request of a uniformed law enforcement officer. The act of selfdefense
can occur inside or outside of the home.
Does this liability policy also pertain to air firearms?
Yes. A “Firearm” is defined as a weapon from which a projectile is discharged by gunpowder or by
pressure of compressed air.
Is this pricing per firearm or inclusive for all owned firearms?
All owned firearms. Remember that the coverage is designed to protect the insured from legal actions
brought against them from the use of a gun in self-defense – not the weapon itself.
With the varying gun laws from state-to-state, does this cover you nationwide? Outside the country?
The coverage territory is defined in the policy as being the United States of America, including its territories and possessions.
Does this include a hunting liability?
No. Coverage is limited to the use of a legally possessed firearm in self-defense.
Does this coverage cover accidental discharge off premises and in particular competitive shooters?
No. Coverage is limited to the use of a legally possessed firearm in self-defense.
Do you have to have a list of household members for the policy (named insureds)?
No. An insured is defined as the Policyholder named on the Declarations as well as a resident of the household of the Policyholder on the date of the occurrence, provided such resident is related to the Policyholder or under the age of 21 and in the care of the Policyholder.
Does this cover concealed carry incidents outside the home?
How is this different from homeowner’s coverage? The policy does address covered acts of self-defense outside the home. Many traditional homeowner’s policies specifically exclude intentional acts – leaving the individual personally liable for legal defense and settlement/award costs. The Firearm Liability product addresses this coverage gap.
What about accidental discharge outside the home?
Accidental discharge of a firearm is not an act of self-defense, so it would not be covered.
Under the influence exclusion, is there a blood alcohol limit threshold?
The policy excludes any claims arising out of any criminal act performed by the insured while under the influence of alcohol, intoxicants, narcotics or any other controlled substance. The application of this exclusion will be dependent on the definition applied by the appropriate local, state, or federal laws, regulations, rules, or ordinances.
What does the theft cover?
In the event that a firearm legally possessed by the insured is lost, stolen or loaned out and subsequently used to cause bodily injury or property damage by someone other than the insured, the policy will respond. Coverage is subject to the limits shown on the Declarations.
Are there exclusions for National Firearms Act (NFA) items?
No. Coverage is provided so long as the insured may legally possess the firearm.
Would a business owner of a pharmacy or check-writing business be covered if they fire in defense of themselves or employees?
The scenario described here is akin to a professional exposure; that is, the gun is being used to protect an individual’s business interest. The policy is intended to cover private acts of self-defense. The business should have its own CGL coverage for business-related incidents.