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Question for the LTC Firearms Folks

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Question for the LTC Firearms Folks

Old 07-24-2020, 06:29 AM
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Default 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
Old 07-24-2020, 06:31 AM
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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.
Old 07-24-2020, 06:34 AM
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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.
Old 07-24-2020, 06:54 AM
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Originally Posted by autobaun70 View Post
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.
Old 07-24-2020, 06:56 AM
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uscca and lawshield are what im hearing
Old 07-24-2020, 07:11 AM
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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.
Old 07-24-2020, 07:12 AM
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Originally Posted by HS2300 View Post
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.
Old 07-24-2020, 07:17 AM
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Originally Posted by Shag View Post
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.
Old 07-24-2020, 08:26 AM
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Posted the same question last week. Ended up with US Lawshield.
Old 07-24-2020, 08:33 AM
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Originally Posted by skibum View Post
Posted the same question last week. Ended up with US Lawshield.
I didn't think to do a search on the subject.
Old 07-24-2020, 08:34 AM
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Originally Posted by autobaun70 View Post
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.
Old 07-24-2020, 12:34 PM
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Originally Posted by HS2300 View Post
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!
Old 07-24-2020, 12:43 PM
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Originally Posted by autobaun70 View Post
Bodily injury arising out of the exposure to, ingestion or inhalation of, lead or lead compounds.

Old 07-24-2020, 01:37 PM
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Shoot copper.

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