CCW Safe for Insurance [Plans & Full Review]

The right and responsibility of carrying a firearm can be a heavy burden to shoulder. But something that might lighten the load a little is knowing that if the worst happens, you won’t be ruined financially from it.

That is where CCW “insurance” comes in and can give protection against those dark times. While there are lots of companies that offer it, CCW Safe is hands-down one of the best.

Why? Let’s find out.

Insurance That Isn’t Insurance

While the word “insurance” is thrown around a lot on this topic, the truth is this isn’t CCW insurance. In fact, no company as far as I know still offers “insurance.”

Because of legal reasons, these are “legal defense services.”

Basically, you give them a monthly or yearly fee and if the worst happens they will cover you based on the agreement and plan you selected.

Sounds a lot like insurance, doesn’t it?

The simple way to think of it is to think of it as insurance, but for legal reasons — it is not.

Also, for legal reasons, CCW Safe is not available in the states of NY, NJ, and WA.

What is CCW “Insurance”?

This applies to other brands besides CCW Safe also but basically, CCW “insurance” is a policy that will help protect you from financial ruin in the event that you use force to defend yourself, your loved ones, or another.

Depending on the exact company offering the “insurance” and the exact plan you select you might be covered for almost anything to be very narrowly protected only in your own home.

This isn’t one of those things in life where you can skip the fine print, the fine print is really important when it comes to “insurance.”

Not all plans are limited to CCW use, many are designed for use in the home, and most cover weapons/ firearms other than what is officially on your CCW permit (if you have one).

Three Things You Need

No matter what program you select there are three things that I feel are absolutely required for a CCW “insurance” to be worth it.

Money Up Front

Getting a check in the mail after 2 years of fighting for your life and freedom is better than nothing, but it will definitely suck.

Instead, choose a company that gives you the money to mount your defense right from the start.

You don’t want to be placed in the position of having to sell everything you own just to fight the fight for your freedom.

CCW Safe gives you the money in the policy from the start — no waiting around.

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Substantial Bail Money

Bail is a tricky beast because the amount you need can vary so wildly depending on where and for what you are charged with.

Generally speaking, I don’t think you should even consider bail protection that is under $100,000.

However, keep in mind that bail can be substantially higher. The federally recommended amount for murder is $1,000,000.

Kyle Rittenhouse’s bail was $2,000,000. This was a bit of an outlier, but still not unheard of. 

CCW Safe offers $500k bond on most of their plans with the option to upgrade to a 1 million bond. Their Ultimate plan comes standard with a 1 million bond.

Per Diem

If your case goes to trial, you will need to take time off work. Planning, prep, the actual court days, all of these will take time from work.

A per diem keeps your finances afloat and makes sure there is one less thing to worry about.

Depending on the plan you choose, CCW Safe offers $250 to $350 per day. That’s about $31 to $43 per hour assuming an 8-hour workday.

As long as you’re making under those amounts, you’re good to go. If you’re making more (good for you!) then you’ll at least take a smaller hit to your finances.

Who Are CCW Safe?

What stands out most about CCW Safe is that the founders aren’t white-collar businesspersons that decided to open a new venture.

These are lawyers and investigators that have a long background in the field of self-defense.

The head lawyer for CCW Safe is Don West. With over 35-years of criminal defense experience, the man knows his stuff.

I highly recommend watching some of the interviews he has given to get a feel for who is in charge.

CCW Safe’s CEO is Mike Darter, a former police officer, and contractor for the DOJ with over 20 years of experience.

I could keep going, but the point is they honestly know what they are doing.

Take a look at their About Us page for a ton more info.

Plans CCW Safe Offers

CCW Plans

CCW Safe breaks their lower-tier plans for people with a valid CCW permit into two major categories. First, those who are active/ retired LEO/ Military. Second, those who aren’t.

Both plans offer the same coverage, they just have it at a different price point.

Retired and active LEO/ MIL enjoy a $179 per year cost, while they charge everyone else at $209.

Even though this is their “lower-tier” plan, it still covers a LOT.

The Defender/ Protector plans cost $209/ $179 and cover:

For the average person, this is a great deal and covers a lot. Personally, I would upgrade the bond coverage just to be on the safe side.

Alternatively, you can get the Ultimate plan. This plan is open to everyone that has a valid CCW permit, but there is no LEO/MIL discount.

The Ultimate plan costs $520 per year and covers:

But… this plan costs a lot more. $520 per year is more than double what the Defender costs.

Depending on what you need, most people will get a better deal with the Defender/ Protector plans.

Even if you upgrade the bond coverage for $100 per year, the rest of the coverage gains are pretty minor.

Non-CCW Plans

If you don’t have a valid CCW permit there are still two plans that may interest you.

Many of you live in a state that has “Constitutional Carry” basically, the fact that you are a resident of X state gives you the right to carry a CCW in that state.

CCW Safe offers a Constitutional Carry plan (really burnt the midnight oil to come up with that name) for $300 a year.

This basically covers what the Defender/ Protector plans cover, but is limited to the ONE state that you live in.

If you do a lot of travel, this might not help much.

The other option for people without a CCW permit is the Home Defense plan. This covers the same as the Constitutional Carry plan and costs the same but doesn’t require that you live in a constitutional carry state.

The Constitutional Carry/ Home Defense plans costs $300 per year and cover:

HR218 Plan

This is a mix of the Protector and Ultimate plans that are only available to people who meet the requirements for the Law Enforcement Officers Safety Act (LEOSA).

It also requires proof that you are eligible. 

The cost for the HR218 Plan is $400 per year and covers:

However, it is important to note that you are NOT covered while on duty or working security or a second job.

Is CCW Safe Right For You?

Okay, here it is — the part you’ve all been waiting for.

If you’re going to get CCW “insurance”, CCW Safe would be the one I recommend the highest if you’re not interested in a bunch of training material.

USCCA offers plans very similar to CCW Safe but with the added gain of a huge amount of training videos and blog posts. Personally, I don’t find those to be very useful so CCW Safe is by far the better value.

CCW Safe offers all of the “must-have” options you critically need, they have an amazing staff, their customer service is legendary, and they never try to recoup costs.

When you add it all together — you can’t beat that.

You might also like to read:

• Best Concealed Carry Insurance in 2022
• Ex cops and concealed carry insurance – an interview