Do these policies cover civil liability? Or just legal fees?
The comparable NRA Carry plan, for $359 annually, is described as "NRA Carry Guard Personal Firearms Liability Insurance Including Self-Defense Insurance $1,000,000Bodily Injury & Property Damage Combined Single Aggregate Limit $150,000**Criminal Defense, Settlement, Supplementary Payments (20% available up front and 80% available on a reimbursement basis)"
These are not really apples-to-applies. NRA covers spouse, etc.