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Frequently Asked Questions

Questions are grouped into two categories: General and Claims. If your question isn’t answered below, call us at 1-866-NRA-5050 or use the Contact Us form to send us a message.

General Questions

The NRA Carry Guard insurance program is only available to NRA Carry Guard members. NRA Carry Guard members get access to exclusive benefits, including world-class, comprehensive online and in-person training, a free, giftable one-year NRA membership with full NRA member benefits and a subscription to the premium NRA Carry Guard magazine filled with all things carry related.

Those who purchase the NRA Carry Guard insurance receive the most cutting edge insurance protection 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 firearms 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. All benefits are insured.

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. From access to attorneys to the cost of proving your case, NRA Carry Guard insurance provides a safety net should you ever have to use your firearm in self-defense.

The NRA Carry Guard insurance program is the only carry insurance program designed for NRA Carry Guard members. This is the premier product available on the market today. We encourage you to compare the following highlights of membership to other plans:

  • Each NRA Carry Guard insurance member has his or her own insurance limit. Other plans may have a shared limit among all members.
  • Insurance applies to spouses at no additional cost.
  • Insurance applies to family members who live with the NRA Carry Guard insurance member for acts of self-defense in the home at no additional cost.
  • Civil defense legal fees are in addition to the insurance limit for each level.
  • All NRA Carry Guard insurance benefits are fully insured. Other plans may utilize a committee to determine whether benefits apply.
  • NRA Carry Guard insurance members have access to supplementary payments as needed of up to 20% of the Criminal Defense Costs limit* including:
    • Attorney consultation and retainer fees
    • Bail money
    • Member loss of earning up to $250 per day
    • Lawful replacement of legally possessed firearm
    • Cleanup costs for member’s residence
    • Psychological support counseling

      *The coverage provided pursuant to the policy for defense, settlement and supplementary payments in criminal proceedings may be limited by applicable law.  For example, under California law, the advancement of defense and associated expenses when there is a criminal proceeding is prohibited other than in Federal proceedings.

  • NRA Carry Guard insurance provides access to legal assistance as well as the ability to select your own counsel.

If you already have concealed carry insurance, you better read the fine print. You, your assets and everything you’ve worked for could be in jeopardy if you hold an inferior policy. NRA Carry Guard insurance provides you with an individual limit—not a shared limit that could leave you at risk. Give one of our associates a call today to get the peace of mind you deserve. We have convenient plans that can start a policy up to six months in advance to ensure you have no lapse in the insurance protection you enjoy. Only the NRA Carry Guard insurance program is designed for NRA Carry Guard members.

The administrative fee is charged to cover costs associated with the processing and maintenance of your insurance.

Unfortunately, we cannot assist with your NRA membership. The NRA Carry Guard membership is separate from your NRA membership, but you can call 1-877-672-2000.

Yes, NRA Carry Guard insurance offers four levels of coverage with four tiers of insurance protection. The cost can be paid annually or monthly.

Gold Plus ($508.72 per year/$43.74 monthly, plus applicable state taxes)
$1,500,000 of civil protection with $250,000 in criminal defense costs reimbursed after acquittal or dismissal, with up to 20% of the criminal defense costs limit available as supplementary payments for expenses such as bail and legal retainers.

Gold ($341.52 per year/$29.61 monthly, plus applicable state taxes )
$1,000,000 of civil protection with $150,000 in criminal defense costs reimbursed after acquittal or dismissal, with up to 20% of the criminal defense costs limit available as supplementary payments for expenses such as bail and legal retainers.

Silver ($257.92 per year/$22.89 monthly, plus applicable state taxes )
$500,000 of civil protection with $100,000 in criminal defense costs reimbursed after acquittal or dismissal, with up to 20% of the criminal defense costs limit available as supplementary payments for expenses such as bail and legal retainers.

Bronze ($174.33 per year /$16.17 monthly, plus applicable state taxes)
$250,000 of civil protection with $50,000 in criminal defense reimbursed after acquittal or dismissal, with up to 20% of the criminal defense costs limit available as supplementary payments for expenses such as bail and legal retainers.

Each NRA Carry Guard insurance member selects a coverage level and receives insurance protection individually.

Yes, you can have your NRA Carry Guard insurance put into effect up to 6 months in the future by enrolling today. If your other membership is past that timeframe, we can take your information and remind you when we get closer to your renewal.

If you join today, your insurance protection can start as soon as tomorrow.

Spouses are automatically insured at no additional cost. Resident family members are also insured for acts of self-defense that occur in your residence.

Police officers, private investigators, correction officers, security guards and military personnel can purchase insurance available to NRA Carry Guard members and would be insured for any off-duty incidents that occur outside the scope of employment.

Coverage is provided by Illinois Union Insurance Company, a Chubb company. Illinois Union Insurance Company is an excess/surplus lines insurer which is not licensed by or subject to the supervision of the insurance department of your state of residence.

Claims Questions

Your NRA Carry Guard membership card and policy will provide specific instructions on how to report an insurance claim. Basically, your first call should be to 911 to immediately report the incident. After that, there is a phone number provided for 24/7 access to prompt legal assistance. Your claim will be reported to the insurance carrier so your insurance protection can begin immediately. 

NRA Carry Guard members may call any attorney you’d like. If you need assistance finding one, call the number on your NRA Carry Guard card and we will promptly assist you.

No, but that person can help you locate an attorney to represent you.

No. However, we can help you get in touch with an attorney who has expressed an interest in handling these types of cases. 

Yes. Different attorneys may charge different amounts, but the limits of insurance are the same regardless of which attorney you hire.

You will tell them your name, your Carry Guard member number and your phone number. You will be asked for some basic information about the incident. You can also let them know if you need the contact information for an attorney.

Yes. Obtaining necessary emergency services should be your first priority.

You’ll have access to supplementary payments as needed for bail money, attorney retainer fees, lawful replacement of your firearm, cleanup costs for your primary residence, loss of earning while in court, and psychological support. Up to 20% of the criminal liability reimbursement limit for your selected insurance coverage level is available. For example, a Gold level provides a $150,000 criminal liability reimbursement limit, so you would have up to $30,000 available for the Supplementary Payments.

If criminal charges are brought against you, the criminal defense costs sublimit will reimburse you for any expenses related to your criminal defense if you are acquitted. Civil liability protection will take care of the expenses related to your civil defense and certain damages you may incur. Insurance for civil damages is subject to the limit of insurance as determined by your insurance coverage level. The legal costs associated with defending you against any civil suit are in addition to the policy limit.

A criminal case is a charge by the government that you broke the law. You may be subject to imprisonment and fines if convicted. A civil case is an action by an alleged victim, usually seeking money from the defendant. A civil case can be filed even if there are no criminal charges. Either type of case might arise from the use of a firearm.

Each NRA Carry Guard insurance member's insurance coverage applies to four components: Civil suit liability, civil defense legal costs, criminal defense reimbursement and supplementary payments. When an NRA Carry Guard insurance member uses a legally possessed firearm in self-defense, the member will have access to their insured supplementary payments. This amount is up to 20% of the criminal defense reimbursement limit. Any criminal defense costs incurred by the insurance member are reimbursed when their case is dismissed or are found not guilty. If a civil suit is presented by the alleged victim(s), the remaining policy limit will apply.

Yes, payment of criminal defense costs is on a reimbursement basis. State laws prohibit insurance companies from providing insurance for criminal acts. Once charges against you are dropped or you are found not guilty, NRA Carry Guard insurance protection will reimburse your criminal defense costs up to the sublimit provided by your insurance coverage level, less any Supplementary Payments made. *The coverage provided pursuant to the policy for defense, settlement and supplementary payments in criminal proceedings may be limited by applicable law.  For example, under California law, the advancement of defense and associated expenses when there is a criminal proceeding is prohibited other than in Federal proceedings.

In the event of an emergency, immediately call 911. After that, call the phone number that has been provided for 24/7 access for prompt legal assistance.

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Coverage is provided by Illinois Union Insurance Company. Illinois Union Insurance Company is an excess/surplus lines insurer which is not licensed by or subject to the supervision of the insurance department of your state of residence. Lockton Affinity is not an agent of Illinois Union Insurance Company because surplus lines insurers are not permitted to appoint insurance producers.


NRA Carry Guard Insurance Program is administered by Lockton Affinity, LLC d/b/a Lockton Affinity Insurance Brokers, LLC in California. Coverage may not be available in all states and is subject to actual policy terms and conditions. Policy benefits are the sole obligation of the issuing insurance company. Coverage is provided by an excess/surplus lines insurer which is not licensed by or subject to the supervision of the insurance department of your state of residence. Policy coverage forms and rates are not subject to regulation by the insurance department of your state of residence. Excess/surplus lines insurers do not generally participate in state guaranty funds and therefore insureds are not protected by such funds in the event of the insurer’s insolvency. NRA receives a royalty fee for the licensing of its name and trademarks as part of the insurance program offered to NRA Carry Guard members.
NRA CARRY GUARD Insurance Program Administered by Lockton Affinity, LLC  D/B/A Lockton Affinity Insurance Brokers, LLC, California #0795478
Not available in New York