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Self-Defense Liability Insurance
Policy in USCCA Membership
Does the USCCA offer concealed carry (ccw) insurance?
In addition to offering education and training, the USCCA has purchased an insurance policy* that provides the association and its members with self-defense liability insurance. The Self-Defense Liability Policy can provide members with coverage if they are involved in lawful acts of self-defense, subject to some exclusions. Learn More about USCCA Membership.
How do I apply for USCCA insurance?
You do not 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*. 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 insurance policy purchased from Universal Fire and Casualty Insurance Company insures the USCCA. The policy is designed to extend coverage benefits to the members of the USCCA. 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. Coverage and benefits are subject to the benefits, conditions, and exclusions of the insurance policy. Learn more about the self-defense liability policy here.
What types of incidents can be covered?
The Self-Defense Liability Insurance policy can provide coverage if an insured is involved in a lawful act of self-defense. You can view exclusions and get more information by viewing the policy here. No guarantee can be made that insurance benefits will apply or will result in innocent verdicts in self-defense cases where the insurance benefit is available.
Who is the insurer?
The self-defense liability insurance policy is underwritten by Universal Fire & Casualty Insurance Company.
What are the policy limits?
Applies to all levels of membership
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 $100,000 cost of bail expense limit included in the policy.. Coverage and benefits are subject to the benefits, conditions, and exclusions of the insurance policy. Learn more about the self-defense liability policy here.
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.
What does self-defense liability insurance cover?
The USCCA helps responsible Americans like you prepare for what happens before, during and after an act of lawful self-defense. In addition to offering education and training, the USCCA has purchased an insurance policy that provides the association and its members with self-defense liability insurance*. These benefits provide more than 620,000 USCCA Members with peace of mind. Become a Member.
What are the educational benefits of USCCA membership?
The USCCA prides itself on providing comprehensive educational resources from experts across the self-defense industry. As a USCCA Member, you’ll have access to up to 80 lifesaving guides, eBooks & checklists, concealed carry reciprocity map with permit expiration reminders, and the "Ask an Attorney" video series (for Platinum and Elite Members). These benefits will help you stay informed about state and federal laws and regulations you must follow as a responsible gun owner with firearms and self-defense resources from the USCCA. Remember that ignorance of the law is not an acceptable defense and that it is your responsibility to know which laws apply to you in your home state and anywhere you travel. Your USCCA Membership removes the guesswork and gives you the tools you need to feel confident in your knowledge.
What are the training benefits of USCCA membership?
Your USCCA Membership includes access to the USCCA Protector Academy's Training Video Vault as well as Online Training & Qualification. With the Training Video Vault, you can become a stronger protector in just minutes a day and from wherever you are with short, easy-to-understand videos guided by firearms and self-defense experts. From learning how to be more situationally aware so you can avoid a dangerous situation in the first place to knowing when you can and can’t use your firearm to defend yourself, you’ll find everything you need to be your family’s ultimate protector. The Online Training & Qualification Program utilizes an intuitive, easy-to-use learning management system will allow you to train at your convenience and in the comfort of your own home. When it’s time to expand to live-fire at the range, your USCCA training will ensure you’ve got the foundation you need for success.
What should I do if I get in a self-defense incident in the middle of the night?
You have around-the-clock access to the Delta Defense Critical Response Team - 24/7/365. If you get into a self-defense incident at night, 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 aftermath of a self-defense incident
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 USCCA. 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.
As a USCCA member, do I have to use a USCCA network attorney after a self-defense incident?
If your location is far from one of the USCCA Network Attorneys or for some other reason, you may still choose your own criminal defense attorney outside of the network. If you’re a USCCA Member and have been in a self-defense incident, your Critical Response Team Case Manager will help you locate an attorney.
How does the insurance benefit work?
If you are involved in an incident, your first step as a member is to notify the Critical Response Team. They will assist in connecting you with an attorney of your choice and report the claim to UFCIC. If a USCCA member is involved in a covered incident, expenses are paid by the insurer as they are incurred.
Do I have to use a firearm in self-defense to trigger the self-defense liability policy?
No, any lawful act of self-defense regardless of if a firearm was used, not otherwise excluded can trigger coverage under the self-defense liability insurance policy. Please reference the self-defense liability policy for more information. 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.
Does the policy cover appeals?
The policy can cover appeals, up to the applicable coverage limits.
Will I be covered while I’m on the job?
The policy contains an exclusion limiting coverage while on the job in certain occupations that require individuals to put themselves in harm's way. To list a few: police officers, paid security personnel, individuals performing repossession services. Please reference the “Occupational Use” exclusion contained in the policy for a full list and to determine if coverage would be extended during the course of your employment.
Does my boyfriend or girlfriend count as a spouse? How do you define spouse?
The USCCA Membership Agreement defines “spouse” as the legal husband, wife, or domestic partner of the Primary Member, as those terms are defined in the state of the Primary Member’s domicile.
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.
*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 (UFCIC), 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 1-800-674-9779 with any questions.
See Full Membership Agreement & the Self-Defense Insurance 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.
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.