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-   -   Question for the LTC Firearms Folks (https://www.thehulltruth.com/dockside-chat/1102655-question-ltc-firearms-folks.html)

HS2300 07-24-2020 06:29 AM

Question for the LTC Firearms Folks
 
Hi,

Do carry firearms liability insurance for/in the event you ever have to actually use your weapon to defend you life/property?

If so, who is your carrier?

TIA

autobaun70 07-24-2020 06:31 AM

Not specifically. SC has civil immunity for those who use their gun in self defense. I also keep a large umbrella policy.

Cracker 07-24-2020 06:34 AM

While I am still covered by FOP as I have legal defense protection being a LEO, I have started to inquire about other protections as well for when I am retired and will not be covered.

HS2300 07-24-2020 06:54 AM


Originally Posted by autobaun70 (Post 13885464)
Not specifically. SC has civil immunity for those who use their gun in self defense. I also keep a large umbrella policy.


Hmmm.. I wonder if my umbrella policy protects me.. looks like I some reading to do and an inquiry to make.

eddie102870 07-24-2020 06:56 AM

uscca and lawshield are what im hearing

Shag 07-24-2020 07:11 AM

Not sure about Mass but the liability section homeowners policy in NC covers the liability for shooting if justified. There is an intentional act exclusion but just below that is an exception for force used to prevent bodily harm. Check your policy. But this is only the civil side. My main concern would be legal fees etc. on the criminal side. But the CC policies I have seen usually contain both.

autobaun70 07-24-2020 07:12 AM


Originally Posted by HS2300 (Post 13885556)
Hmmm.. I wonder if my umbrella policy protects me.. looks like I some reading to do and an inquiry to make.

In reading mine there is not a specific exclusion. One interesting one I ran across a while back in mine is there is an exclusion regarding farm tractors/trailers "while engaged in farming operations." Being that is a common thing for me, I inquired how they defined "farming operations." It was clarified that farmland used exclusively for recreational/personal purpose with no farming for revenue was covered. Any equipment used to generate revenue via farming would need specific coverage related to that activity.

autobaun70 07-24-2020 07:17 AM


Originally Posted by Shag (Post 13885618)
Not sure about Mass but the liability section homeowners policy in NC covers the liability for shooting if justified. There is an intentional act exclusion but just below that is an exception for force used to prevent bodily harm. Check your policy. But this is only the civil side. My main concern would be legal fees etc. on the criminal side. But the CC policies I have seen usually contain both.

I may need to make an inquiry. Mine has the following exclusion:

Bodily injury arising out of the exposure to, ingestion or inhalation of, lead or lead compounds.

skibum 07-24-2020 08:26 AM

Posted the same question last week. Ended up with US Lawshield.

HS2300 07-24-2020 08:33 AM


Originally Posted by skibum (Post 13885899)
Posted the same question last week. Ended up with US Lawshield.

I didn't think to do a search on the subject.:banghead:

mikefloyd 07-24-2020 08:34 AM


Originally Posted by autobaun70 (Post 13885620)
In reading mine there is not a specific exclusion. One interesting one I ran across a while back in mine is there is an exclusion regarding farm tractors/trailers "while engaged in farming operations." Being that is a common thing for me, I inquired how they defined "farming operations." It was clarified that farmland used exclusively for recreational/personal purpose with no farming for revenue was covered. Any equipment used to generate revenue via farming would need specific coverage related to that activity.

I had to deal with that issue on our farm. It's technically zoned and taxed as a tree farm but all we do is recreational so since we couldn't declare we weren't growing trees for profit they said if an accident occurred we would have to prove it had nothing to do with growing trees. The other option was paying a good bit more. Everything we do reduces the number of trees and we won't be selling any timber.

coddock 07-24-2020 12:34 PM


Originally Posted by HS2300 (Post 13885454)
Hi,

Do carry firearms liability insurance for/in the event you ever have to actually use your weapon to defend you life/property?

If so, who is your carrier?

TIA

We’re in Ma. Your totally screwed if you use your weapon no matter the situation!

Shag 07-24-2020 12:43 PM


Originally Posted by autobaun70 (Post 13885635)
Bodily injury arising out of the exposure to, ingestion or inhalation of, lead or lead compounds.

:grin:

wdlfbio 07-24-2020 01:37 PM

Shoot copper. :)


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