Firearm Insurance

Firearm Insurance

Insurance is a huge challenge for the industry. It’s not like you can walk into your neighborhood insurance broker and apply for firearm insurance. You need to source a company that specializes in instructor insurance. No matter who you choose for certification, they will likely have resources available for you to leverage. You’ll want insurance that covers both sanctioned and non-sanctioned classes. In many states, a concealed carry class can be as simple as a basic pistol course or as complex as submitting a complete lesson plan with a legal portion taught by an attorney (Idaho). Having insurance which covers you as the instructor, and not the class being taught, will alleviate concerns about the legitimacy of the course.

Take the simple three second rule when traveling. Provided you allow three seconds distance between you and the car in front of you, you should be able to perform a panic stop without hitting that car. You are avoiding a collision by following the rules. The person behind you who is tail gating and not following the rules ends up rear-ending your vehicle. That’s an accident for you, not for them. You being rear ended was completely avoidable had the person behind you followed the rules.  During firearms training new students forget to follow the rules; they may muzzle a student, discharge a live round by mistake, or even rack their slide to be surprised that a round of ammunition is ejected. The point being – cover your assets – get insurance. In our profession, many so-called “Accidental Discharges (AD’s)” can be avoided if everyone simply follow the rules for safe gun handling.

Personal insurance is also a consideration. Available are plans from CCW Safe, Second Call Defense, USCCA and other offerings. You’ll need to research these offerings closely to see which one is best. Many have loopholes you need to be aware of, such as only covering homicide when a gun is involved – use a knife, not covered. Others will have a cap on the amount of bail that will be paid. For example, US/TX Law Shield will only cover $25,000 in certain states whereas in Oklahoma and Pennsylvania they will only pay $2,500 towards a bail. Investigate these services closely when shopping for this type of coverage. Ask the tough questions and listen closely to the answers. We called one of these providers and asked if we could use our own attorney. The answer was that they have many attorneys to choose from and of course you get to choose your attorney. When pressed – can we pick our own attorney not one that’s in your network? We received the run around and never got a straight answer. The NRA decided to dabble in this area of protection and has been hindered with many challenges – last we heard their program was being discontinued and is no longer being offered. The moral of the story is to perform your due diligence when considering these types of insurance plans.

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