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.
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.