CCW and Liability Insurance: What Gun Owners Need to Know

Protecting More Than Just Your Life

Getting your Colorado Concealed Handgun Permit (CHP) is a smart step toward taking responsibility for your personal safety. But carrying a firearm also carries serious legal and financial risk—especially if you ever have to use it in self-defense.

Most permit holders are shocked to learn this truth:

❗Even if your self-defense shooting is completely justified, you can still be sued or criminally prosecuted.

That’s where concealed carry liability insurance comes in.

What Is Concealed Carry Insurance?

Concealed carry insurance (also called self-defense liability coverage) is a policy or legal service that helps cover the legal, civil, and financial fallout if you ever use your gun in a defensive incident.

Depending on the policy, coverage may include:

• Attorney fees for criminal defense

• Coverage for civil lawsuits

• Bail bond reimbursement

• Expert witnesses, investigators, and trial costs

• Loss of income while you defend yourself in court

• Emergency hotline access to legal help 24/7

  
  

Why You Might Still Be Sued—Even If You Did Everything Right

Even in states like Colorado, where gun laws are relatively friendly, you can be:

• Arrested during an investigation

• Sued by the attacker’s family

• Forced to pay tens of thousands in legal fees just to prove your innocence

The average cost of a criminal trial in a self-defense case can run $50,000–$150,000—and civil lawsuits can double that.

Having a good attorney is crucial. But having coverage that pays for that attorney is what keeps your financial life intact.

We Recommend: Right To Bear Insurance

At PLC Training, we recommend Right To Bear for concealed carry coverage.

They’re a reliable, Second Amendment-friendly company offering:

• Plans starting at under $19/month

• 100% upfront coverage (not reimbursement-based)

• Choice of your own attorney

• Optional multi-state coverage and add-on spouse protection

• Legal defense for firearms, knives, and even fists in self-defense cases

👉 Learn more and get coverage here:🔗 https://protectwithbear.com/pages/plcsafe

Using our link helps support PLC Training and keeps your coverage affordable.

• Right to Bear Plan

  Features:

  • 24/7/365 Emergency Attorney Answered Hotline

  • Non-Emergency Attorney Access

  • Civil & Criminal Defense

  • Lost Wages Protection

  • Red Flag Laws Protection

  • Firearm Replacement

  • Negligent Discharge Coverage

  • Expert Witness Coverage

  • Training & Educational Content

  • Member Perks Discounts

  • Member Newsletter

  • Family Legal Plan

  • Psychological Support

  ...and MORE

✅ Do You Need CCW Insurance?

It’s not legally required—but we believe it’s just as important as carrying a tourniquet.

If you carry a gun to protect your life, it makes sense to protect your freedom, finances, and future too.

You especially need insurance if you:

• Carry daily for personal protection

• Serve on a church safety team

• Travel to unfamiliar or high-risk areas

• Train with us in defensive shooting or active threat response

Final Thoughts

You train to be ready for the worst day of your life. But don’t forget: that day might not end when the shooting stops. It might end in a courtroom.

Give yourself peace of mind. Protect your freedom, your finances, and your family.

👉 Learn more or sign up with Right To Bear here: https://protectwithbear.com/pages/plcsafe

If you have questions about coverage, our team at PLC Training is happy to help walk you through what to expect and why we recommend it.