Joe has a link up to a company that’s selling Concealed Carry Insurance, a policy allegedly designed to provide liability coverage in the event of a negligent discharge or a defensive use of a firearm. It’s not worth the money you’d spend on it, and I really could not advise that you purchase this policy. This is not legal advice, mind you, but rather the friendly counsel of someone who when not doing podcasts and writing about guns works in the insurance industry.
The policy in question is underwritten by Lloyd’s of London, the largest underwriter in the world of what are referred to as “surplus” lines. Surplus lines are insurance for things not covered by regular insurance, such as the hands of a piano player or J-Lo’s stern. The thing about surplus lines is that they are generally expensive, as the companies that sell them and underwrite them are taking a significant risk in writing the coverage.
The problem with this coverage is that with a few exceptions I noticed, it’s largely redundant coverage. For example, in the event of an ND in your home, your liability coverage on your homeowner’s insurance or Umbrella policy will cover you for that. In the event of a defensive gun use, most jurisdictions will not hold you liable in a civil court for actions performed in self defense or defense of others.
So what you have here is an extremely expensive policy that doesn’t provide a significant increase in coverage, but costs a lot of money. I’m not saying it’s a total rip-off, but I sure as hell wouldn’t buy it.