Question for the LTC Firearms Folks
#1
Admirals Club 

Thread Starter
Join Date: Sep 2017
Location: Gloucester, Massachusetts
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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
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
#2
Senior Member



Join Date: Jan 2005
Location: Suburb of Sugar Tit SC
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Not specifically. SC has civil immunity for those who use their gun in self defense. I also keep a large umbrella policy.
#3
Senior Member


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.
#6
Senior Member




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.
#7
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Join Date: Jan 2005
Location: Suburb of Sugar Tit SC
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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.
#8
Senior Member



Join Date: Jan 2005
Location: Suburb of Sugar Tit SC
Posts: 14,311
Received 9,214 Likes
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4,972 Posts

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.
Bodily injury arising out of the exposure to, ingestion or inhalation of, lead or lead compounds.
#11
Admirals Club 


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.
#14
Senior Member

Shoot copper.
