I’ve been fighting for gun rights for nearly two decades. Over that time period, I’ve watched the firearm industry change and new and innovative products hit the market. The advent of CCW liability protection products is one of them. Over those nearly two decades of fighting for the right to keep and bear arms, I have never seen liability products that come close to the suite of protections offered by XINSURANCE. We’ve all seen the big marketing pushes over the last decade from companies such as Delta Defense (USCCA), or US Law Shield to name the two largest businesses offering “self-defense insurance.” I myself carried a USCCA platinum self-defense shield card for a number of years. I sure felt better knowing it was in my wallet and you’ve likely had your email box bombarded over the years by one or both of these outfits. The USCCA alone boasts over 600,000 “members” who along with a suite of training material, carry one of three levels of self-defense “protection.”
As a disclaimer and for transparency sake, I was employed for ten years by Delta Defense (USCCA) and my coverage was complimentary as an employee. Well, a couple of years ago, I separated from the company when I purchased AAR and then later founded the Armed American News Division. My Delta Defense (USCCA) “coverage” lapsed and I decided to begin looking deeper into these products. What I found disturbed me deeply when I read the case of a young woman, Kayla Giles, who had recently purchased a firearm and a Delta Defense (USCCA) “protection plan.”
Shortly after her purchase of the gun and her platinum membership, Ms. Giles was involved in an altercation with her estranged husband and killed him with her firearm during a swap of their children that occurred in a Louisiana Wal Mart parking lot. She was subsequently charged with 2nd-degree murder and activated her plan. She was paid $50,000 under the plan when Delta Defense’s insurance company at that time, United Specialty Insurance Company (USIC) refused any further payout under her USCCA membership plan. She has since sued both companies and the case lingers to this day as her bills continue to mount.
So what, exactly, did Ms. Giles actually purchase from Delta Defense (USCCA)? In a nutshell, the Delta Defense (USCCA) contracted insurance carrier at the time (USIC in this case), wrote a blanket policy for the USCCA and members are covered as “additional insured” as a part of their member plan. They do not have an individual insurance policy in their own name. Ms. Giles found out the hard way that when the Delta Defense (USCCA) insurance carrier (USIC) bailed on payment, the USCCA did not have her back. The following is an excerpt from a KALB News story regarding the case by Giles against both companies:
In response to the lawsuit filed in the U.S. Western District Court of Louisiana, the United Specialty Insurance Company provides several defenses, with the most important defense saying that, in the fine print of the policy, it is stated that “USIC has no obligation to provide a defense…in connection with the investigation or defense of any criminal charge or criminal proceeding against the insured” like the second-degree murder charge Giles is facing. This means that the company is not required to make payments to Giles because she is facing criminal charges.
In Delta Defense’s response, the company says that Giles’ claims do not apply to Delta, because “Delta did not negotiate or issue the policy of insurance” against which Giles is making claims. Also, in a similar response, the self-defense claim Giles is making “arises out of multiple criminal offenses” and is not covered by the policy she took out when she purchased the gun. Delta also defends itself, saying that Giles’ claims in her original petition were “vague and ambiguous,” suggesting that those complaints should be dismissed.
Giles and her attorney, Rocky Wilson, are seeking the money that she says should have been covered by her policy, as well as interest amounts from the dates when she should have received payment.
When I left the employ of Delta Defense, my “self-defense” protection lapsed and I began searching for an alternative product. That’s when I had the opportunity to meet Mr. Rick Lindsey, CEO of Prime Insurance Company whose suite of branded products includes the XINSURANCE line of liability policies. My education was just beginning. I looked into the rebranded Delta Defense (USCCA) product and found their new carrier to be United Fire and Casualty Insurance Company, an AM Best unrated carrier.
I’m not personally comfortable with unrated anythings, let alone an unrated entity that “covers” a business (Delta Defense-USCCA) that may hold my freedom in their hands and one (Delta Defense-USCCA) that had recently walked away from a member. Not to mention their attorney claiming they weren’t responsible for the “policy” because “Delta did not negotiate or issue the policy of insurance” against which Giles is making claims.” Remember, their member is INNOCENT until proven guilty and their attorney, by his own statement has apparently decided her guilt before trial! So I put myself in her shoes and ask: What the hell did I buy? I don’t need coverage if I’m not charged but I certainly do to get me through my trial!
For me and many others, when it comes to insurance of my home, automobiles, health, life, business, toys, lifestyle, and particularly my freedom, I want the BEST I can get and afford. I have USAA for my home and my auto policies, Blue Cross/Shield for my health, Geico for my boat, and yes, XINSURANCE, written in my name for my CCW protection and my businesses!
The information below helped make my decision easy. Check it out for yourself and join the thousands of others doing the same by getting REAL insurance in their own names like I did. You’ll sleep easier at night, I promise!
THE FOLLOWING INFORMATION IS PROVIDED BY XINSURANCE
Owning a gun can come with a lot of unforeseen accidents or injuries. If you have a concealed carry permit, you never know when you might come across an incident where you have to use your firearm for personal defense.
The implications of a self-defense shooting can include:
- Expense of posting bail bonds to stay out of prison as your case unfolds
- Confiscation of your weapons until the resolution of the situation (assuming the outcome is in your favor)
- Loss of income due to the potential for incarceration and the inability to work
- Numerous court appearances
- Prohibitive costs associated with retaining legal services
- Civil litigation leading to an unfavorable judgment resulting in thousands of dollars in damages
Why You Need Concealed Carry Insurance
Concealed carry insurance, also known as CCW or firearm liability insurance, is a form of low-cost coverage that provides legal protection if you use your registered firearm in a self-defense situation. As more people carry firearms to keep themselves and their families safe, an increasing number of gun owners are considering the purchase of this insurance. Many policies also provide coverage for civil court proceedings, such as when you are the target of a lawsuit filed by an involved party.
How Does Firearm Liability Insurance Work?
The level and type of CCW coverage will vary based on the policy and the limits you choose. In some cases, the carrier will provide upfront funds for your legal defense in the wake of a gun-related self-defense incident. Other insurers will only compensate you upon the resolution of your case. Coverage amounts vary widely and some policies might offer much higher limits than others.
Depending on the policy, you can also cover costs such as bail bonds, income interruption, attorney retainer fees, firearm replacement, and more. An experienced CCW insurance partner like XINSURANCE can help you determine the optimal coverages and amounts for your situation.
Our firearms liability insurance product can be offered to homeowners, security professions, law enforcement, businesses with armed employees, and more!
What Coverages Are Available for Concealed Carry Insurance or Firearms Liability Insurance?
We provide specialty customized insurance coverage through an all-in-one approach.
- Firearms Liability (Open & Concealed Carry)
- Legal Liability (Accidental Discharge)
- Bond Payment
- Income Interruption
- *Legal Defense
*Provided up until a court of competent jurisdiction enters a finding of guilt, at which time no further coverage is available under the policy and we will seek reimbursement for the cost of the legal defense.
About Concealed Carry Insurance Coverage From XINSURANCE
To ensure that you and your assets are completely covered, XINSURANCE offers customized solutions for Firearms Liability and Concealed Carry Insurance that will cover gaps that most individual personal policies have so that you can rest easy knowing you’re protected. This insurance is provided by an A-rated excess and surplus lines specialty insurer with almost 40 years of experience. This is not a membership but a customized, personal self-defense policy.
Disclaimer: This policy may not be offered in every state depending on applicable state and local laws. Please contact us for more information.
With XINSURANCE, you can purchase customized liability insurance coverage that will protect you in all the areas that your homeowners, employers, and business insurance policies won’t or can’t. Our underwriting team brings you over 40 years of experience, along with the ability to offer customized limits, coverage, deductibles, and premiums to create the perfect plan for your personal protection.
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