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I am also a range safety officer (RSO), certified by NRA, and have acted as RSO in various shooting events. While these clubs have their own insurance, I see NRA, among others, also promoting insurance.
Okay, I realize there is insurance for almost everything--even flying our RC airplanes can be covered (and we do) in case we crash into something expensive or hurt someone.
Anyway, what are your thoughts and recommendations on the topic?
I just completed my CA carry training a couple weeks ago. They highly recommended getting insurance - especially in sue-happy CA. However, they did not discuss options, so I look forward to responses to this thread....
I added banglist to the keywords. You should have.
Your HOI company probably offers a competitive Umbrella policy- mine is $1 million and costs less than $200 per year.
dedicated insurance like NRA or others may be as economical.
Also Kill the person double tap wait a few minutes before calling 911 its cheaper to kill than keep someone alive for 20 years in a coma
Do these policies cover civil liability? Or just legal fees?
My Glock 23 is my insurance.
Investigate Armed Citizens Legal Defense Network. It's run by Marty Hayes and his wife. I just talked to Marty at the NRA show. When a member has an incident and calls their phone number, that phone is in Marty's possession 24/7. Marty has people on speed dial that can help, including Massad Ayoob and a lot of other expert witnesses. Tom Gresham of Gun Talk was an initial investor.
Most importantly, the Network has a million dollars cash ready to go to help members. I've been a member four years now.
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IMO this is the worst idea ever devised.
If it becomes known you carry special insurance for a gun fight, it makes one look like they are out looking for trouble. Especially to modern juries.
Nope.
I cannot afford life insurance.
Why would i consider “gun” insurance?
I consider the whole damn thing another around the bush method of Communist gun registration.
They cannot get YOU to do it, but they CAN force a business to do it.
I hear the “USCCA” policy is good. I have an “umbrella liability” policy thru my homeowners insurance, but I am pretty sure that wouldn’t be too useful in a shooting incident, will have to check with my agent.
USCCA policy/membership info.: https://www.usconcealedcarry.com/membership/
I added a rider to my homeowners policy to cover my gats.