We live in an unpredictable and at times, an unsafe world. This is why you have made the conscience decision to protect yourself and those you care about. You take this responsibility seriously and completed the training necessary to carry a concealed firearm. You refuse to be a statistic. You carry a concealed firearm in self-defense every single day.
While you have taken proactive measures to protect yourself and your family from physical harm, have you contemplated what happens after you have defended yourself? Once the smoke clears, will you be in a position to afford legal representation?
Lack of legal representation in your moment of need is a legitimate concern. This concern is even more alarming if you are faced with the possibility of criminal prosecution for exercising your fundamental right of self-defense. The current political and legal climate further complicates the matter.
The principles at Conifer Insurance Company and the C.W.I. Agency recognized the dangers and perils inherent in the exercise of this fundamental right. Like you, we take the right and responsibility of self-defense very seriously. While researching the insurance market, we discovered there was not an insurance product accessible to the public, providing real coverage for the legally armed CPL holder. We knew we had to do something about it because we are shooters just like you.
The Concealed Weapon Insurance Advantage
As a result, we partnered together to provide unique Concealed Weapon Insurance to protect the Conceal Pistol License (CPL) holder. This coverage is unlike any program available today. Our Conceal Weapon Insurance program provides coverage for legal defense costs you will likely encounter in the aftermath of an act of self-defense.
Unlike other so-called self-defense programs, you are not required to join any association to access our program. There are no dues to pay. We will not share your personal information and we will not solicit you for political donations. We designed our CPL program to cover you anywhere you can legally carry a concealed firearm in the United States.
No Limitations on Representation
Our program provides easy, accessible, and affordable protection when you need it most. Don't be fooled by legal service payment plans that restrict representation and require you to use their investigators, experts, and lawyers. Those programs do not provide insurance protection. Our program provides real self-defense insurance protection.
With the Conifer Concealed Weapon Insurance program, you are free to use one of our referred professionals or have the flexibility of choosing counsel of your choice. You are in control of your defense, not some prepaid legal plan with limitations and use restrictions.
Does my homeowner policy cover acts of self-defense?
In many cases the answer is no. Most homeowner's policies contain intentional injury exclusions. These intentional act exclusions typically define "self-defense" as an intentional act. Under these exclusions, acts of self-defense are excluded from coverage.
If an individual is accidentally injured on your property, your homeowner's liability coverage will likely cover the medical expenses and resulting legal fees that are incurred in your civil defense. However, if you discharge a firearm at an intruder and you end up in criminal or civil court, the deliberate nature of the act (even in self-defense) means that your homeowners insurance policy likely will not cover the event and resulting costs that are sure to follow.
What do I do if I have been involved in a shooting?
If you are involved in an act of self-defense, the first thing you will need to do is immediately report the incident to the local authorities to request help and medical assistance. Your statement to the local authorities should be brief and limited to include your name, the name of the suspect if known, names of any witnesses, the fact that you are a victim and forced to defend yourself or others. Advise the authorities that you have legal representation available and you will give a full statement in the presence of your attorney. It is advisable not to answer any additional questions until you have consulted with an attorney.
If you have legal representation available to you, your next call should be to your attorney so your rights are protected as the investigation into your case progresses. Advise your attorney to contact us immediately. If you do not have access to legal representation, contact us immediately so we can begin the claims process for you and assign legal counsel on your behalf.