Understanding the USCCA's Self-Defense Liability Insurance Policy*

Delta Defense LLC, the service provider for the U.S. Concealed Carry Association, has supplied the below information about the self-defense liability insurance policy issued to the USCCA. We believe in providing the most comprehensive information possible about this policy — so that responsible Americans can be armed with the knowledge they need to protect what matters most.

Policy Updates

Choose an option to view the previous or updated policy. Updated policy as of June 5, 2024.

Bail Bond Coverage - $100,000

A $1,000,000 bail bond typically costs $100,000 or 10% of the set bail. USCCA Members had $100,000 of funds available for bail expenses, including cash bail or the cost of a bail bond and monitoring expenses.

("Red Flag") ERPO Coverage

Did not previously exist; this is a brand new benefit!

Expunging/Sealing Records Coverage

Did not previously exist; this is a brand new benefit!

Coverage Determination

Coverage was determined by impartial individuals employed by the insurance company.

Plea Deal Coverage

Did not previously exist; this is a brand new benefit!

Criminal Act Exclusion

Any criminal act by any "insured", including any injury or damage caused by or during any criminal act of any "insured".

Recovery & Recoupment

We shall have the right to seek recovery or recoupment from an "insured" the amount of any payments made to, for, or on behalf of the "insured", including payments made to third parties, if it is determined that any such payments were made for matters not covered by this Policy or are otherwise prohibited by applicable law.

Loss of Earnings Coverage

Up to $750/day for loss of earnings due to missing work due to your covered case.

Removal of Certain Exclusions

Did not previously exist; this is a brand new benefit!

Bail Bond Coverage – $250,000

A $2,500,000 bail bond typically costs $250,000 or 10% of the set bail. USCCA Members now have $250,000 of funds available for bail expenses, including cash bail or the cost of a bail bond and monitoring expenses.

Here's why: $100,000 in bail expense coverage served our members well for many years, but anti-gun officials seem to be ramping up their assaults on our rights to self-defense. A member recently experienced a $2 million dollar bail. We have responded by increasing the benefit so that you're always empowered to defend yourself.

("Red Flag") ERPO Coverage

Up to $15,000 in attorney fees and expenses to defend against or challenge any extreme risk protection order (ERPO) or other similar government action.

Here's why: We are concerned any time the due process of law-abiding citizens is at risk. Now, you will have the resources you need to challenge attempts to seize your firearms.

Expunging/Sealing Records Coverage

Up to $5,000 for attorneys fees and expenses to expunge or seal the records associated with a covered incident.

Here's why: What many gun owners don't realize is that just because you're declared innocent doesn't mean the public information about your case goes away. And sometimes felony charges can even hang around on your record for years! This new coverage gives you the funds needed to ensure you can put the legal aftermath of your self-defense incident behind you for good.

Coverage Determination

The insurance company is contractually REQUIRED to provide coverage so long as you can, in good faith, assert self-defense as a justification under the law. In other words, there's coverage, if your defense attorney believes there is a good faith self-defense claim and the judge allows you and your attorney to make that argument in court until a final, non-appealable finding of guilt is reached.

Here's why: Previously, individuals employed by the insurance company reviewed each case to determine if it was self-defense or not. To best serve our members, self-defense is now determined by if you and your attorney can, in good faith, assert self-defense as a justification.

Plea Deal Coverage

If you take a plea deal for something that is NOT a "crime of violence", your coverage doesn't end.

Here's why: Too often, a prosecutor will threaten to prosecute self-defenders on murder charges or offer a plea deal for a lesser crime and lower sentence. This puts innocent gun owners in a rough situation: plead guilty to something you didn't do OR potentially lose a murder trial and face 10+ years in prison.This update to the policy purchased by the USCCA gives you more freedom to choose what path is right for you.

Criminal Act Exclusion

The previous policy had potentially confusing language. To be clear, just being charged with a crime does not exclude coverage. So long as you can, in good faith, assert self-defense as a justification under the law, the Criminal Acts Exclusion doesn't apply.

Here's why: This policy is to provide coverage for Acts of Self-Defense, this policy is not designed to provide coverage for robbing a bank, holding up a gas station, or any other criminal acts. Unless you were acting in self-defense, any actions that are criminal acts will likely be excluded. A "Criminal Acts'' exclusion is common to virtually all types of insurance. However, it is important to note that for this policy, if you engage in self-defense while violating a "gun free zone" or potentially violating any of the massive list of state burdensome regulations on gun owners, coverage would NOT be denied.

Recovery & Recoupment

The previous policy purchased by the USCCA allowed the insurance company to recoup any coverage expenses if the member was found guilty. Despite the fact that the USCCA's insurer has NEVER recouped any payments made on behalf of a member, this revision to the policy ensures that recovery or recoupment can only happen if a government agency forces them to do so based on applicable law.

Here's why: The insurance provider is as passionate about helping you to protect yourself, your rights, and your freedom as we are. This updated policy language better reflects their resolve to support and empower you.

Loss of Earnings Coverage

In addition to up to $750/day for loss of earning due to missing work due to your covered case, now you will be reimbursed up to $10,000 for actual loss of earning for time taken off within 30 days of an incident — this could be due to your missing work because your employer doesn't allow you to return to work or you can't work or if your business was put on hold due to the incident.

Here's why: We want to ensure that you are able to be fully present and focused when making your legal defense, and it's difficult to do so when trying to make ends meet.

Removal of Certain Exclusions

Coverage is no longer affected if your self-defense incident occurs within a post office or federal building. Also, our nation's great firefighters and paramedics who serve the public are no longer excluded from coverage while on duty.

Here's why: We're constantly striving to ensure that the God-given right to self-defense is guaranteed for all law-abiding citizens, by removing one roadblock at a time.

USCCA Membership Just Got Better!

See what's improved with the Self-Defense Liability Insurance Policy:

Previous Policy Current Policy
As of June 5, 2024

Bail Bond Coverage: $100,000

A $1,000,000 bail bond typically costs $100,000 or 10% of the set bail. USCCA Members had $100,000 of funds available for bail expenses, including cash bail or the cost of a bail bond and monitoring expenses.

Bail Bond Coverage: $250,000

A $2,500,000 bail bond typically costs $250,000 or 10% of the set bail. USCCA Members now have $250,000 of funds available for bail expenses, including cash bail or the cost of a bail bond and monitoring expenses.

Here's why: $100,000 in bail expense coverage served our members well for many years, but anti-gun officials seem to be ramping up their assaults on our rights to self-defense. A member recently experienced a $2 million dollar bail. We have responded by increasing the benefit so that you're always empowered to defend yourself.

("Red Flag") ERPO Coverage

Did not previously exist; this is a brand new benefit!

("Red Flag") ERPO Coverage

Up to $15,000 in attorney fees and expenses to defend against or challenge any extreme risk protection order (ERPO) or other similar government action.

Here's why: We are concerned any time the due process of law-abiding citizens is at risk. Now, you will have the resources you need to challenge attempts to seize your firearms.

Expunging/Sealing Records Coverage

Did not previously exist; this is a brand new benefit!

Expunging/Sealing Records Coverage

Up to $5,000 for attorneys fees and expenses to expunge or seal the records associated with a covered incident.

Here's why: What many gun owners don't realize is that just because you're declared innocent doesn't mean the public information about your case goes away. And sometimes felony charges can even hang around on your record for years! This new coverage gives you the funds needed to ensure you can put the legal aftermath of your self-defense incident behind you for good.

Coverage Determination

Coverage was determined by impartial individuals employed by the insurance company.

Coverage Determination

The insurance company is contractually REQUIRED to provide coverage so long as you can, in good faith, assert self-defense as a justification under the law. In other words, there's coverage, if your defense attorney believes there is a good faith self-defense claim and the judge allows you and your attorney to make that argument in court until a final, non-appealable finding of guilt is reached.

Here's why: Previously, individuals employed by the insurance company reviewed each case to determine if it was self-defense or not. To best serve our members, self-defense is now determined by if you and your attorney can, in good faith, assert self-defense as a justification.

Plea Deal Coverage

Did not previously exist; this is a brand new benefit!

Plea Deal Coverage

If you take a plea deal for something that is NOT a "crime of violence", your coverage doesn't end.

Here's why: Too often, a prosecutor will threaten to prosecute self-defenders on murder charges or offer a plea deal for a lesser crime and lower sentence. This puts innocent gun owners in a rough situation: plead guilty to something you didn't do OR potentially lose a murder trial and face 10+ years in prison. This update to the policy purchased by the USCCA gives you more freedom to choose what path is right for you.

Criminal Act Exclusion

Any criminal act by any "insured", including any injury or damage caused by or during any criminal act of any "insured".

Criminal Act Exclusion

The previous policy had potentially confusing language. To be clear, just being charged with a crime does not exclude coverage. So long as you can, in good faith, assert self-defense as a justification under the law, the Criminal Acts Exclusion doesn't apply.

Here's why: This policy is to provide coverage for Acts of Self-Defense, this policy is not designed to provide coverage for robbing a bank, holding up a gas station, or any other criminal acts. Unless you were acting in self-defense, any actions that are criminal acts will likely be excluded. A "Criminal Acts" exclusion is common to virtually all types of insurance. However, it is important to note that for this policy, if you engage in self-defense while violating a "gun free zone" or potentially violating any of the massive list of state burdensome regulations on gun owners, coverage would NOT be denied.

Recovery & Recoupment

We shall have the right to seek recovery or recoupment from an "insured" the amount of any payments made to, for, or on behalf of the "insured", including payments made to third parties, if it is determined that any such payments were made for matters not covered by this Policy or are otherwise prohibited by applicable law.

Recovery & Recoupment

The previous policy purchased by the USCCA allowed the insurance company to recoup any coverage expenses if the member was found guilty. Despite the fact that the USCCA's insurer has NEVER recouped any payments made on behalf of a member, this revision to the policy ensures that recovery or recoupment can only happen if a government agency forces them to do so based on applicable law.

Here's why: The insurance provider is as passionate about helping you to protect yourself, your rights, and your freedom as we are. This updated policy language better reflects their resolve to support and empower you.

Loss of Earnings Coverage

Up to $750/day for loss of earnings due to missing work due to your covered case.

Loss of Earnings Coverage

In addition to up to $750/day for loss of earning due to missing work due to your covered case, now you will be reimbursed up to $10,000 for actual loss of earning for time taken off within 30 days of an incident — this could be due to your missing work because your employer doesn't allow you to return to work or you can't work or if your business was put on hold due to the incident.

Here's why: We want to ensure that you are able to be fully present and focused when making your legal defense, and it's difficult to do so when trying to make ends meet.

Removal of Certain Exclusions

Did not previously exist; this is a brand new benefit!

Removal of Certain Exclusions

Coverage is no longer affected if your self-defense incident occurs within a post office or federal building.

Also, our nation's great firefighters and paramedics who serve the public are no longer excluded from coverage while on duty.

Here's why: We're constantly striving to ensure that the God-given right to self-defense is guaranteed for all law-abiding citizens, by removing one roadblock at a time.

Self-Defense Liability Insurance Benefits

$2,000,000

Annual Liability Insurance Limit

You'll have access to up to $2,000,000 annually to pay for civil damages rendered against you.

NO LIMIT

No Limit on Defense Expenses for Civil or Criminal Proceedings

There is NO LIMIT on defense expenses incurred in the defense of a civil OR criminal proceeding or investigation for a covered self-defense incident.

$250,000

Bail Bond Expenses

A $2,500,000 bail bond typically costs $250,000 or 10% of the set bail. You'll have up to $250,000 of funds available for bail expenses.

$20,000

Incidental Expenses Coverage

Up to $20,000 for Incidental Expenses related to a covered incident, such as the cost to replace a confiscated firearm, and Additional Living Expenses.

Freedom

Freedom to Choose Your Own Criminal Defense Attorney

Choose your own criminal defense attorney, or select one from the USCCA Attorney Network.

$15,000

ERPO/"Red Flag" Coverage

Up to $15,000 in attorney fees and expenses to defend against or challenge any extreme risk protection order (ERPO) or other similar government action.

$10,000

Loss of Earnings Coverage

Up to $10,000 for actual loss of earnings for time taken off within 30 days of an incident. This is in addition to the up to $750/day for loss of earnings due to missing work due to your covered case.

All Acts of Self-Defense

Coverage for All Acts of Self-Defense

Whether or not you use a weapon, the policy purchased by the USCCA provides insurance for All Acts of Self-Defense.

$5,000

Expunging/Sealing Records Coverage

Up to $5,000 for attorney fees and expenses to expunge or seal records associated with a covered incident.

Plea Deal Coverage

If you take a plea deal for something that is NOT a "crime of violence", your coverage doesn't end.

In the event of you needing to take a plea deal, as long as that plea deal isn't for a "crime of violence", your coverage does not end. A crime of violence is a crime for which there is unlawful force against a person or property of another, or an unlawful crime that resulted in bodily injury to another person.

And More!

Read the policy for full coverage details

Self-Defense Liability Insurance Benefits

$2,000,000

Annual Liability Insurance Limit

X

You'll have access to up to $2,000,000 annually to pay for civil damages rendered against you.

NO LIMIT

No Limit on Defense Expenses for Civil or Criminal Proceedings

X

There is NO LIMIT on defense expenses incurred in the defense of a civil OR criminal proceeding or investigation for a covered self-defense incident.

$250,000

Bail Bond Expenses

X

A $2,500,000 bail bond typically costs $250,000 or 10% of the set bail. You'll have up to $250,000 of funds available for bail expenses.

$20,000

Incidental Expenses Coverage

X

Up to $20,000 for Incidental Expenses related to a covered incident, such as the cost to replace a confiscated firearm, and Additional Living Expenses.

Freedom

Freedom to Choose Your Own Criminal Defense Attorney

X

Choose your own criminal defense attorney, or select one from the USCCA Attorney Network.

$15,000

ERPO/"Red Flag" Coverage

X

Up to $15,000 in attorney fees and expenses to defend against or challenge any extreme risk protection order (ERPO) or other similar government action.

$10,000

Loss of Earnings Coverage

X

Up to $10,000 for actual loss of earnings for time taken off within 30 days of an incident. This is in addition to the up to $750/day for loss of earnings due to missing work due to your covered case.

All Acts of Self-Defense

Coverage for all Acts of
Self–Defense

X

Whether or not you use a weapon, the policy purchased by the USCCA provides insurance for All Acts of Self-Defense.

$5,000

Expunging/Sealing Records Coverage

X

Up to $5,000 for attorney fees and expenses to expunge or seal records associated with a covered incident.

Plea Deal Coverage

If you take a plea deal for something that is NOT a "crime of violence", your coverage doesn't end

X

In the event of you needing to take a plea deal, as long as that plea deal isn't for a "crime of violence", your coverage does not end. A crime of violence is a crime for which there is unlawful force against a person or property of another, or an unlawful crime that resulted in bodily injury to another person.

And More!

Read the policy for full coverage details

Why Does the USCCA Have Self-Defense Liability Insurance as a Membership Benefit?

The USCCA helps responsible Americans prepare for what happens before, during, and after an Act of Self-Defense.

USCCA Members get equipped with lifesaving resources to help them avoid danger and save lives. But if you're ever forced to act in self-defense, you may find that the aftermath of an incident is confusing, emotional ... and often EXPENSIVE. In fact, the average attorney retainer in U.S. self-defense cases ranges from $30,000, to over $100,000 — and that doesn't include additional case expenses, bail bond, or civil damages.

That's why the USCCA purchased an insurance policy that provides the association and its members with self-defense liability insurance. Because we believe that every responsibly armed American deserves to be prepared to defend themselves, and their loved ones.

We believe no one should have to face the "justice system" alone after a self-defense incident.

Frequently Asked Questions

What does the Self-Defense Liability Insurance Policy issued to the USCCA cover?

The self-defense liability insurance policy issued to the USCCA covers claims stemming from:

  • An Act of Self-Defense as long as you and your attorney are able to argue self-defense as a justification of your actions.
  • "Covered Legal Liability", meaning the legal liability of a USCCA Member stemming from the use by another person of a firearm or other weapon that was stolen from the Member.
  • Extreme Risk Protection Orders (“Red Flag” proceedings), meaning there is insurance for defending against or challenging an extreme risk protection order issued against a USCCA Member or any similar government action taken against a USCCA Member for the purpose of temporarily seizing any otherwise lawfully possessed firearm.

Does a USCCA Member have to use a firearm in self-defense to trigger the self-defense liability policy?

Regardless of if a firearm was used, ANY Act of Self-Defense can trigger coverage under the policy. It is important to note that coverage is excluded if an insured uses a weapon they were not able to legally possess under federal law.

What are the policy limits?

The current policy has no limit on defense expenses incurred in either criminal or civil court, and there is a $2,000,000 annual liability insurance limit which is applied towards damages if they were awarded in a civil case. Additionally, there is a $250,000 cost of bail expense limit included in the policy, which in most states would cover a $2,500,000 bail bond. Additional sub limits apply to certain extra coverages. Coverage and benefits are subject to the benefits, conditions, and exclusions of the insurance policy.

How do I apply for USCCA insurance?

You do not need to apply for Self-Defense Liability Insurance with the USCCA. USCCA Members are automatically additional insureds on a policy issued to the USCCA by Universal Fire and Casualty Insurance Company. If you're not yet a USCCA Member, become a USCCA Member Now.

Who is covered/who is insured?

The USCCA purchased the insurance policy and is the Named Insured on the policy. All of its members are automatically insured on the policy as well. The policy extends coverage benefits to the members of the USCCA by making all members additional insureds. You must be registered as a member with the USCCA using your legal name to be qualified to utilize coverage benefits under the USCCA's Self-Defense Liability Insurance policy. Residents of NJ, NY and WA are not eligible for USCCA Membership. Coverage and benefits are subject to the benefits, conditions, and exclusions of the insurance policy.

A person who is not a member, but who is related by blood, marriage or adoption to the "association member", or is a minor person in the legal custody of the primary member and resides with the primary member at his/her permanent residence qualifies as an insured if the incident occurs at the residence premises, but NOT if that individual experiences an incident that takes place away from the primary member's permanent residence. If you're a USCCA Member, you can add a spouse membership to your account at a 50% discount!

Who is the insurer?

The self-defense liability insurance policy is underwritten by Universal Fire & Casualty Insurance Company, a Universal Shield Insurance Group company. Universal Shield Insurance Group companies have a financial strength rating of A- from A.M. Best.

What should a USCCA Member do if they get in a self-defense incident in the middle of the night?

You have around-the-clock access to the Critical Response Team — 24/7/365. If you get into a self-defense incident at night, after calling 911 you can simply call the Critical Response Team. You will be connected with one of the Critical Response Team Case Managers who will help guide you and your family through the aftermath of a self-defense incident. They will assist in connecting you with an attorney of your choice and submit a report to the UFCIC. If a USCCA member is involved in a covered incident, expenses are paid by the insurer as they are incurred.

How is it determined if a USCCA Member will be covered or not for a self-defense incident?

As long as a USCCA Member and their attorney are permitted to argue self-defense as a justification and defense of the Member's actions, and no other exclusions in the policy apply, the USCCA Member will be covered for their self-defense incident.

How does a USCCA Member make a claim with the insurance company?

Once an incident occurs, a member calls the Critical Response Team who will connect the member with an attorney if needed and submit a report to the insurance company. The insurance company will then contact the member or the member's attorney to coordinate the payment of expenses such as posting a bail bond, defense expenses, and other incidentals.

Do USCCA Members really have the freedom to choose their attorney?

Yes, USCCA Members can choose their own attorney. However, this attorney must have the necessary professional experience to represent the USCCA Member in their case and the attorney must agree to the insurance company's customary rates and reporting and billing guidelines. If you do not have a specific attorney you would like to use, the USCCA Attorney Network has over 1,200 available attorneys.

As a USCCA Member, how do I obtain a USCCA Network Attorney after a self-defense incident?

If you've been involved in a self-defense incident, your first call after 911 should be to the Critical Response Team. You will be connected with one of the Critical Response Team Case Managers, who are available 24/7/365. Your Critical Response Team Case Manager will help guide you through the aftermath of a self-defense incident, helping you retain a criminal defense attorney of your choice or from an experienced attorney from the USCCA Attorney Network.

What does it mean when it is said that the policy has "no limit on defense expenses"?

For a covered self-defense incident/occurrence, defense expenses have no limit. That applies for civil or criminal cases and covers all reasonable and necessary expenses incurred to defend the member. That includes things like attorneys fees, court costs, court taxes, expert witnesses, private investigations, and digital crime scene reenactment. There are limits on legal fees paid to defeat a red flag law action or to have your record expunged/sealed after the conclusion of the case.

How does the bail part of coverage work?

There is a separate and stand-alone $250,000 allowance to cover the Cost of Bail Expenses. A $2,500,000 bail bond typically costs $250,000 or 10% of the set bail. You'll have $250,000 of funds available for bail expenses, including cash bail or the cost of a bail bond and monitoring expenses.

Does the policy cover appeals?

Yes. For a covered Act of Self-Defense, the policy does include appeals until you can no longer appeal. For example, if a member loses their court case at the initial level and they have the ability to appeal the initial court verdict, self-defense liability insurance coverage would still apply until they no longer have the ability to appeal the verdict.

Is there really a "criminal act exclusion" in the policy? How does that impact my self-defense incident and my coverage?

The criminal act exclusion has no impact on your claim if you are able to argue self-defense as a defense to the charges brought against you. For example, there is no coverage if a member claims self-defense while they were in the middle of committing a criminal act like armed robbery.

Much like most other insurance policies, the self-defense liability insurance policy issued to the USCCA does have a "criminal act exclusion". However, as stated directly in the policy, the "criminal acts exclusion" does NOT include any action for which self-defense is a justification or defense.

Why does this insurance policy have a recovery and recoupment provision? When will the recovery and recoupment provision come into play?

As with most insurance policies to protect against fraud, the self-defense liability insurance policy issued to the USCCA does include a "recovery and recoupment" provision. The insurance company has NEVER recouped any amount paid on behalf of USCCA Members. However, it is included for the extremely unlikely situation in which the insurance company is ordered by a governing body to take action.

What happens if I take a plea deal?

If you accept a plea deal to a charge that is not considered a "crime of violence", you will still have coverage in any civil suit that follows. A "crime of violence" means any offense that has as an element the use, attempted use, or threatened use of unlawful force against the person or property of another, or any offense that resulted in bodily injury to another person.

Examples of plea deals that are potentially not "crimes of violence" include pleas such as negligent discharge or reckless use of a firearm.

If you accept a plea deal to a charge that is a "crime of violence" coverage will end under the policy.

Will I be covered while I'm on the job?

If you are providing law enforcement, corrections, recovery, or repossession services either as a volunteer or for a fee, you will not have coverage.

If you are providing paid security or safety service, you will not have coverage. However, you CAN have coverage if you are providing security or safety services as a volunteer.

All other occupations, other than those listed above, DO have coverage while actively on the job. This includes firefighters and EMTs.

What are the exclusions of the policy? What won't be covered?

Did you know that every personal insurance policy has exclusions on criminal acts, professional services, and even war? You bet they do — go take a look! Few motorists know that if your nephew uses your car as a getaway vehicle during a crime and gets in a wreck, your car insurance will not cover it. Similarly, if you rent your pickup truck to a stranger for the day as a side-hustle and he wrecks it, it will not be covered. Additionally, if China invades and your house is destroyed in the ensuing war, your home insurance will not cover you!

All these policies have exclusions — not in an attempt to short-change you, but to protect you. For example, without a war exclusion, your home insurance company would simply go bankrupt — and all their customers would be without protection. Without a Criminal Acts exclusion, your car insurance company might be on the hook to cover a getaway vehicle — which would put them in violation of the law — and could cause their entire company to be shut down, ruining their great protection for all their honest customers!

Exclusions are an important part of any insurance policy, and Self-Defense Liability Insurance is no different.

Here are the ways these exact same exclusions are an integral part of our self-defense liability insurance policy, and why only by having these safeguards in place can we legally offer you the excellent, industry-leading coverage we offer through our self-defense liability insurance policy.

  • Expected or Intended Injury (This does not include any expected or intended injury arising from an Act of Self-Defense) This policy is to provide coverage for Acts of Self-Defense. If you take an action that is not in self-defense that will likely result in injury to a person (ie, if you intentionally try to hurt someone without provocation), your actions will likely be excluded from coverage.
  • Criminal Acts (This does not include any acts for which self-defense is applicable as a justification or a defense of those actions) This policy is to provide coverage for Acts of Self-Defense, this policy is not designed to provide coverage for robbing a bank, holding up a gas station, or any other criminal acts. Unless you were acting in self-defense, any actions that are criminal acts will likely be excluded. A "Criminal Acts'' exclusion is common to virtually all types of insurance. However, it is important to note that for this policy, if you engage in self-defense while violating a "gun free zone" or potentially violating any of the massive list of state burdensome regulations on gun owners, coverage would NOT be denied.
  • Contractual Liability — If you have assumed liability for the actions of another through a contract or have assumed an obligation to defend another person through a contract (such as having a contract to serve as someone's personal security guard), this policy will not provide you with any coverage.
  • Non-Insureds — Just like all other insurance policies, actions by someone who isn't insured by the policy are not covered. If you are not the USCCA, a USCCA Member, or fall within any of the categories listed out in the endorsement to the policy, this policy doesn't provide any coverage to you.
  • Employer's Liability — Injury or damage suffered as a result of one's business are not covered (such as your liability as the owner of a repossession company if one of your employees was injured in a self-defense incident while on the job). This is not a commercial lines policy and doesn't provide coverage for any employer's liability.
  • Professional Services — This policy will not provide coverage if the incident is related to you providing some sort of professional service for another party or if you are sued because one of your employees was involved in a self-defense incident (such as if you're the owner of a repossession company and one of your employees acts in self-defense while on the job, this coverage doesn't provide insurance to you as the owner for your employee's actions) .
  • War — You can't claim self-defense if you are acting in a military capacity. This exclusion would not apply if you were attacked during an anti-war protest, or any protest, and needed to defend yourself.
  • Occupational Use — Any actions by law enforcement, corrections, recovery or repossessions services as a part of their job/profession. And actions by anyone providing security or safety services for compensation. Individuals in these professions are still covered in their personal lives for Acts of Self-Defense by this policy, but if they are acting in their professional capacity, they are excluded from this coverage. In addition, anyone providing security or safety services as a volunteer is not excluded from coverage, even while providing those services.
  • Damage to Property — The cost to replace or repair any property damaged in a self-defense incident that you own, borrowed or is generally in your possession, excluding the damages discussed in the "supplementary payments" section of the policy.
  • Electronic Data — Any injury or damage arising from anything having to do with electronic data. The cost to replace, repair or recover any electronic data or information that was lost or damaged as a part of a self-defense incident is excluded from coverage.
  • Mysterious Disappearance — injury or damage arising out of the unexplained or mysterious disappearance of a firearm or other weapon.
  • Violation of 18 U.S.C § 922 — If the possession or use of a firearm or other weapon is in violation of federal law 18 U.S. Code § 922. This policy does not exclude a self-defense incident from being covered for carrying a firearm in violation of any state regulations.

If a USCCA Member has a covered self-defense incident, what things would end coverage?

The insurance company's obligation to make payments under this policy ends when the $2 million limit for civil damages has been exhausted, the moment the member has received a final, unappealable conviction, or if the member accepts a plea deal to a charge that qualifies as a "crime of violence."

What is ERPO ("red flag") coverage?

The self-defense insurance policy issued to the USCCA provides up to $15,000 in coverage to USCCA Members to cover the attorney fees and expenses incurred in defending against or challenging any extreme risk protection order or any similar government action taken against the Member for the purpose of temporarily seizing any otherwise lawfully possessed firearm.

What happens if my self-defense incident and the aftermath of that incident causes me to miss work?

The self-defense liability insurance policy issued to the USCCA can provide assistance to USCCA Members for missed time after a self-defense incident in two ways:

  • Up to $10,000 for actual loss of earnings for time taken off from work within 30 days of any covered Act of Self-Defense
  • Up to an additional $750/day for lost earnings for time off work, taken at the request of the insurance company to assist with the defense.

What is expunging/sealing records coverage?

Imagine you are involved in a self-defense incident, are charged with a crime and ultimately found innocent at trial. This coverage can pay for you to hire an attorney who will work to have all records of the matter removed or sealed.

Does the policy issued to the USCCA cover all 50 states?

The policy covers incidents in all 50 states, however the policy currently cannot be issued to RESIDENTS of New York state, New Jersey state, or Washington State.

How much on average does an attorney charge per hour?

Average hourly billing rates for attorneys can vary due to many different variables. Based on the situation, location, and experience level of an attorney, rates can range from $300-$1,000+ per hour.

What are the average costs of a self-defense case?

There is no such thing as an "average" self-defense case. A standard criminal defense trial takes months to prepare and weeks in court to defend. Based on the situation, location, and experience level of an attorney, rates can range from $300 -$1,000+ per hour. The self-defense liability policy has come through for thousands of USCCA Members, paying out tens of millions of dollars worth of claims.

True Story From A USCCA Member

Innocent Man Charged With MURDER — Here's How We Helped Him out [Surveillance Footage]

He was simply doing his job as a concert promoter when a dispute over $900 escalated into a life-threatening altercation. After being punched in the face, he heard the aggressor shout "Shoot! Shoot! Don't let him leave!" as a second attacker closed in on him. His training and instincts kicked in. After surviving the first fight, Jacouri found himself in an ugly battle with the justice system.

*The information on this page is applicable to claims made and reported, or incidents that occurred and were reported on or after June 5, 2024. The information provided on this page is for information purposes and is not intended to be a representation of coverage that may exist in any particular situation. For full policy information, view the Self-Defense Liability Policy.

Insurance has been purchased by the USCCA and is one of the benefits of membership in the USCCA. USCCA members are additional insureds under a policy issued to the USCCA by Universal Fire and Casualty Insurance Company, an insurance company with its principal place of business in Hudsonville, MI. Coverage and benefits are subject to the terms, conditions, and exclusions of the insurance policy. Information provided herein is for informational purposes and is not intended to be a representation of coverage that may exist in any particular situation. Contact Delta Defense's Customer Engagement Team at 800-674-9779 with any questions.

See Full Membership Agreement & the Self-Defense Liability Policy for Details:

All membership benefits are detailed more fully in, and are subject to the terms, conditions, limitations and exclusions set forth in the USCCA Membership Agreement and the Self-Defense Liability Policy.

View USCCA Membership Agreement.

View Self-Defense Liability Policy

USCCA Membership is not available to residents of New Jersey, New York or Washington State.

Delta Defense, LLC provides sales, marketing, operations and administrative support services to the USCCA and is a licensed insurance agency in all 50 states and the District of Columbia with its principal office in West Bend, WI. Delta Defense, LLC does business as Delta Defense Insurance Services in California. California License #0M34093