By George L. Lyon, Esq.
My clients and students frequently request my analysis of the various self-defense insurance type products on the market, some of which are not technically insurance per se. My knowledge of this topic has benefited by Recoil magazine’s occasional comparison of these products as well as an informative video by attorney Andrew Branca, author of the highly recommended book Law of Self Defense. I will give you the results of my own review of these products below. Bear in mind, policies often change, so I recommend you perform your own due diligence at the time of your decision. I recommend my analytical framework as a guide.
It is important to understand that basic homeowner’s insurance even with umbrella insurance does not cover a self-defense shooting. First, these insurance products do not defend you from a criminal prosecution, and, second, they do not cover you civilly because a self-defense shooting is considered an intentional act. Homeowner’s coverage would apply if it were alleged that you negligently shot someone on the premises of your home. Some plaintiffs have made such allegations specifically to try to get within the coverage of homeowner’s policies.
With respect to self-defense insurance or insurance like products, a number of companies offer this type of service. The ones I am going to discuss here are in alphabetical order: Armed Citizens Legal Defense Network (“ACLDN”); CCW Safe; Firearms Legal Protection (“Firearms Legal”) Second Call Defense (“Second Call”); United States Concealed Carry Association (“USCCA”) and U.S. Law Shield.
By George L. Lyon, Jr
Arsenal Attorneys™ recently learned from sources in the Metropolitan Police Department that the District of Columbia has issued more than 2,000 Concealed Carry Licenses to residents and nonresidents alike. This confirms recent reporting by Daily Caller journalist Kerry Picket, who revealed that until September 2017, as few as 123 persons were able to satisfy the District’s requirement to show a special need to carry a handgun outside the home for personal protection. And then things changed. The District became a shall issue jurisdiction, and, therefore, the number of Concealed Carry Licenses skyrocketed to the 2,000+ total today.
In June of 2017 the United States Court of Appeals for the District of Columbia Circuit in the Wrennand Grace cases determined that the District’s stringent need requirement violated the Second Amendment rights of District residents and visitors. Several months later, after the full DC Circuit refused to disturb that decision, the District quietly accepted the result rather than seek Supreme Court review and risk a decision likely to jeopardize other facets of its restrictive gun laws and those of other states.
Concealed carry permit
holders have arrest and
conviction rates 6 to 10 times
lower than police officers
The 2,000+ DC permit holders are resident and non-resident, non-law enforcement individuals now authorized to carry a gun in the city, and more persons are applying to the Metropolitan Police Department for carry licenses every day.
Which brings us to the question of where is all the crime and violence DC officials predicted if persons were allowed the means to protect themselves with licensed concealed firearms? DC officials have always claimed their restrictive gun laws were necessary for public safety. But former DC Metropolitan Police Department (“MPD”) Chief Cathy Lanier put the lie to the canard when she admitted that legal gun owners were not the problem.
Although there has been a spike in homicides in the District this year compared to last, violent crime in general is down seven percent this year compared to 2017, and burglary is down eight percent. In no case in which we are aware has a person holding a District of Columbia carry license been charged with a serious crime. That is not surprising at all. Around the nation, concealed carry permit holders have arrest and conviction rates 6 to 10 times lower than even police officers. In the numerous states that have adopted either “shall issue” or permitless carry, i.e. Constitutional carry, the scaremongering of Second Amendment opponents has proven false.
What is surprising is that due to DC’s reputation for stringent gun laws, many residents and nonresidents are still unaware that if they jump through the necessary hoops, they can get a license to carry a concealed handgun in Washington, DC.
Those hoops include submitting an application in person, undergoing fingerprinting, registering their carry gun, and taking 16 hours of classroom firearms training and two hours of range training, including passing a 50 round shooting test from 3 to 15 yards. Assuming there is nothing otherwise disqualifying in the applicant’s background, MPD is required to issue the applicant a concealed carry license.
Arsenal Attorneys’ George Lyon is licensed to practice law in Virginia and the District of Columbia. He was one of the plaintiffs in the Palmer v. District of Columbia case that forced DC to begin issuing concealed carry licenses and in the Heller case that legalized handguns in Washington, DC. Mr. Lyon is licensed by MPD to teach the DC concealed carry course and conducts the course monthly. His next class is scheduled for December 15-16 in Arlington, Virginia. Mr. Lyon can be reached at gll[at]arsenalattorneys.com or at 703-291-3312.
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