Even for justifiable acts of self defense, a claim for monetary damages can be made against you by your assailant or your assailant’s family member. Civil liability claims are not costly for a perpetrator to make, even if they are without merit. All the perpetrator needs is an attorney willing to take his case in hopes of recovering damages from you. The cost of defending yourself against these claims can be financially devastating. Our policy provides Civil Legal Defense coverage to vigorously defend you against these unwanted claims. In addition, subject to your limit of liability, we will pay damages on your behalf that you become legally obligated to pay as a result of your use of a firearm in an act of self defense.
Excess Firearm Liability Coverage
Our policy will provide Civil Liability Defense and Criminal Defense Reimbursement coverage for the use of your firearm in a law enforcement act. Coverage is on an excess basis, when no other coverage is available to you, or other coverage has been disclaimed.
Our policy will provide coverage for Civil Liability, Defense Costs and Criminal Defense Reimbursement Coverage for the use of your firearm when working as an independent contractor providing security protection in a capacity other than law enforcement.
Criminal Defense Reimbursement
Just because you think your use of a firearm in an act of self defense was justifiable, doesn’t mean the District Attorney will agree with you. Overzealous prosecutors can bring criminal charges against you. Protecting your freedom is costly and time consuming. Our policy provides you with Criminal Defense Reimbursement benefits if you are criminally charged and subsequently acquitted of criminal charges related to your use of a firearm in a legal act of self defense.