Tag Archives: self defense insurance

Gun Insurance is Dead; Long live Gun Insurance

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The agent Lockton and the underwriter Chubb have announced that they would cut dies with the NRA.  This may effectively end their Carry Guard insurance program, which is the insurance dubbed “murder insurance” by gun safety advocates.  This has happened less than two weeks after the tragic shooting in Parkland, Florida and illustrates the rate that changes can occur in a charged are such as gun safety.  Organizations Guns Down with Travon Martin’s mother Sybrina Fulton and Color of Change worked to bring this about.  When the time was ripe their efforts took effect.  Unfortunately, other organizations are currently selling insurance and quasi-insurance products of this type which are designed to protect gun users for legal responsibility for mistaken or over-zealous shootings claimed to be in self-defense.

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Is Self-Defense Insurance Legal in California?

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The National Rifle Association (NRA) and several other companies or organizations sell or sponsor the sale of insurance to defend and indemnify gun owners from liability in self defense situations.  They do this on a nationwide basis and promise protection in a wide range of situations where the purpose of the gun use is to defend ones person or property.  The point of this insurance is to have no restriction against covering self-defense as an intentional or willful act.  The question raised in this post is: How can this be possible under California’s Insurance Code?

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Self-Defense Gun Insurance

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Persons who carry guns for self defense or who keep guns in their homes often worry about the liability should they shoot someone.  This motivates the drive by the NRA and other pro-gun organizations to adopt laws that immunize shooters, but it is also makes a substantial market for legal protection. It’s likely that steady publicity given to dubious claims of millions of defensive uses of guns make many people think that such protection is needed.  There have sprung up a number of organizations which attempt to fill this market with products which may contain an insurance component or, if not claimed to be insurance, are similar to it in most respects.

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