Concealed carry weapons (CCW) permits have become a hot topic in recent years, as more and more Americans exercise their Second Amendment rights to carry firearms for self-defense. Alongside this trend, the market for CCW insurance has also grown, offering gun owners protection in case they need to use their firearms in self-defense situations. However, a common question that often arises is whether you need a CCW permit to buy CCW insurance.

In this article, we’ll explore this question and provide you with a clear understanding of the relationship between CCW permits and CCW insurance.

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What is CCW Insurance?

Before delving into the specifics of CCW permits and insurance, let’s first understand what CCW insurance is. CCW “insurance,” short for concealed carry weapons insurance, is a type of legal defense plan that provides legal and financial protection for members who may find themselves involved in a self-defense incident where they need to use a firearm. This type of plan typically covers expenses related to legal defense, bail, and other benefits.

READ MORE: CCW Insurance Buyer’s Guide

Now, let’s address the main question.

Do You Need a CCW Permit to Buy CCW Insurance?

Although some CCW insurance providers do require members to be a CCW permit holder, you do not need a CCW permit to purchase a legal defense plan membership (CCW insurance) from Second Call Defense.

There are more than one provider of CCW insurance plans, making them available to both individuals who have a valid CCW permit and those who do not, depending on their plan eligibility. Additionally, not every state requires their residents to obtain a permit to carry a concealed weapon (aka states with Constitutional Carry laws).

Even if you have a CCW permit, however, some states do not allow their citizens to buy legal protection for self-defense incidents. As of this writing, New York (NY), New Jersey (NJ) and Washington (WA) do not allow coverage for self-defense incidents.

Here are some key points to consider:

  • Coverage Eligibility: Many CCW insurance providers, like Second Call Defense, do not require you to possess a CCW permit to purchase their policies while others do. Additionally, Second Call Defense recognizes that you may be forced to defend yourself with a deadly weapon that is not a firearm (e.g., your hands, a knife, a rock, etc.) Further, states with Constitutional Carry laws allow residents to carry concealed without a permit.
  • Legal Compliance: It is important to note that while you can buy CCW insurance legal defense from Second Call Defense without a CCW permit, it does not exempt you from adhering to local, state, and federal laws regarding the carrying and use of firearms. You must still follow all applicable laws, and having insurance does not grant you any special privileges in the eyes of the law.
  • Training and Education: The best CCW insurance providers offer training and educational resources to their members.
  • Access to Legal Support: One of the primary benefits of a CCW legal defense plan membership is the access to legal support and financial coverage in the event of a self-defense incident. This coverage can be valuable regardless of whether you have a CCW permit.

As a general rule, it is important to note that CCW insurance plan eligibility, benefits and coverage vary between providers and plans can, and do, change without notice. We encourage you to do your research before buying, and of course contact us if you have any questions about Second Call Defense coverage.

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The Second Call Defense Advantage

Second Call Defense offers the most comprehensive, immediate up-front self-defense legal protection with nothing out of pocket, nothing to repay ever.

Second Call Defense offers comprehensive support for self-defense cases:

  1. No Need for a CCW Permit: You don’t need a CCW Permit to qualify, even if your state requires one and coverage extends to the use of any deadly weapon for self defense (e.g., a knife, rock, hands, vehicle).
  2. Support “From Trigger to Trial”: Assistance throughout the entire legal process, including speaking with investigators, bail bonds, psychological counseling, firearms replacement and more.
  3. Nationwide Attorney Network Access: Access to an extensive network of attorneys across the country to ensure you can secure representation in the relevant jurisdiction.
  4. Local Attorney Referral within 24 Hours: Quick access to legal expertise in your area.
  5. Your Choice of Defense Attorney: You have the freedom to select the attorney you trust.
  6. Expense reimbursement. We pay for each day you spend in court to help mitigate lost work time and expenses.
  7. Expert Witness Coordination: Expert witnesses can be critical in building your defense, and Second Call Defense has relationships with seasoned experts who can testify to the facts and strengthen your defense.
  8. Vetting Process: Attorneys are carefully vetted and selected using our proven processes and relationships in the self-defense legal community.
  9. Existing Relationships in Multiple Jurisdictions: Access to legal expertise in various jurisdictions.
  10. You Get to Choose Your Attorney: The freedom to choose your preferred attorney.

LEARN MORE: Member Benefits

Get Protected Today

Choosing the right attorney for self-defense cases is a complex process that requires careful consideration of various factors. From legal expertise to communication skills and trust, your attorney should meet specific criteria to ensure a successful defense. Additionally, CCW Insurance can provide financial and logistical support during your legal battle, giving you peace of mind.

Second Call Defense offers the most comprehensive, immediate up-front self-defense legal protection with nothing out of pocket, nothing to repay ever.