If you're ever forced to use a firearm in self-defense, you could soon find yourself at the center of a legal nightmare that could cost you your life savings—or even cost you your freedom and years of your life. Although you may legally use your firearm in self-defense, many homeowners' policies have limitations or exclusions related to intentional acts, such as self-defense. There are also many unexpected procedures and costs associated with proving you acted in self-defense.
Lockton Affinity® offers comprehensive personal firearms liability insurance, including self-defense insurance, for those who lawfully carry firearms and their families, including protection against civil liability, the cost to defend against civil and criminal legal actions and immediate access to attorney referrals. It also includes supplementary payments as needed for bail, criminal defense legal retainer fees, lawful firearm replacement, compensation while in court, psychological support and cleanup costs for any covered claim resulting from the use of a legally possessed firearm—including an act of self-defense.