CCW Safe’s Unique Structure:

Years ago when the founders started CCW Safe, we based it off of the police union model that had provided us guidance, education, resources and protection for the entirety of our law enforcement careers. Once we were all out of law enforcement and exercising our rights to carry concealed with our permits, we recognized a need for a similar organization to protect our interests as civilians, so we created CCW Safe. Our goal has always been to provide our members education, risk management training, use of force education and protection in the event they were a victim of a crime and had a self defense incident. We have always valued independence and have strived to have our services be always available for our members, wherever they happen to be. We also have commitment and dedication as cultural values of our company. These values led us to create our own Captive Insurance company, 2A Insurance, in order to be the funding mechanism for CCW Safe to provide it’s services to our members (see information below). This way, CCW Safe is not subject to market conditions that have impacted our competitors. We have a stable, independent funding mechanism that allows us to have the best services, best content, and most comprehensive membership in the industry. 

Our competitors that have had sanctions and law suits placed against them by Governors of Large states across the nation are structured differently than CCW Safe.  Those companies partnered with traditional insurance brokers (i.e., Lockton Affinity) and through their partnerships were selling insurance polices to its members where the member was named as the insured (in violation of that state’s insurance regulations).

CCW Safe is not an insurance company and does not sell insurance policies.  CCW Safe is the “insured” and not the member.  We own our Captive Insurance company which is not regulated by the traditional insurance market.  This is why we are allowed to operate in all 50 states as we are a "legal service plan" that pays for and coordinates certified attorneys and others in the state in which there is a need for service.  When our customers purchase the subscription plan they enter into a contractual agreement through our terms of service to have delivered to them the benefits of the plan purchased.  The civil liability benefit is extended to the member by the associated plan through our self-insured status.

CCW Safe is a Legal Service Subscription Plan that does not not a sell a policy, therefore we do not conduct insurance business. 2A Insurance is our own Captive that insures CCW Safe in order to have stability and independence from the commercial market. We have published extensively on our website information about the formation of our captive and it’s relation to our company. We welcome you to review our website and related content to have an understanding of what sets us apart from our competitors.

2A insurance:

2A Insurance is committed to providing the funding and insurance based financial management infrastructure to make CCW Safe the industry leader in legal services membership plans for the concealed carry community. 

CCW Safe is the company with the greatest financial security to finance claims and meet the needs of members. Creating 2A Insurance solidifies CCW Safe as the clear choice for anyone seeking self-defense legal services coverage.

2A Insurance Is A Segregated Account Of Madison First Property And Casualty, Ltd. SAC, A Segregated Accounts Company Registered Under The Segregated Accounts Companies Act, 2004. 2A Insurance Is Managed By Hamilton Captive Management, A Licensed Insurance Manager.

CCW Safe has created 2A Insurance, a captive insurance company designed to provide CCW Safe with an insurance-backed funding mechanism. 

Simply put, 2A Insurance provides our members with the comfort of knowing that CCW Safe insures its ability to fund the cost of legal services for its members as claims arise. Further, 2A Insurance is protected by reinsurance via an agreement with Port Royal Insurance Company, Ltd. SAC. This additional layer of protection provides the resources of a third party insurance company to draw upon for those claims that have the potential for heavy cost outlays.

For further information or details about 2A Insurance company contact (Kyle@sweetlawfirm.com).

It is actually very easy to add or change your payment method.  Login to your account and then go to My Account on the top white menu bar, then click on My Subscription.  Since you want to make a payment, click on the blue Make A Payment button.  When you see the payment page displayed, scroll down and you can enter a new credit card number, expiration date, and 3 digit code from the back.  Then click on the blue Make Payment button.

CCW Safe is a legal service membership plan that has a huge membership base in all 50 states and an A+ rating with the BBB.  We have the strongest model, the "Police Union Model" that has been tested and is most similar in resources and response to what active police officers  receive when they are involved in on-duty shootings.  CCW Safe also has the most experienced staff with experts in managing catostrophic litigation, crime scene investigation, use of force investigations, attorney selection, peer support and critical response through the Critical Incident Command System.  

Effective January 1, 2017 CCW Safe established a Captive Insurance Company, called 2A Insurance. You can visit the website 2Ainsurance.com This is exciting news because now every one of CCW Safe's membership are backed by a policy by CCW Safe’s insurance policies with 2A Insurance, but also a re-insurance policy that 2A Insurance purchases through Port Royal Insurance Ltd. SAC. We were able to get this done with no new cost to our members; you do not need to purchase 2A insurance separately.

2A Insurance Company, a Segregated Account of Madison First Property and Casualty, Ltd., is a Captive Insurance Company started by CCW Safe, LLC to provide an "Insuranced-backed" funding mechanism for the payment of claims for covered legal services and related costs and expenses incurred by CCW Safe in defense of its members.  2A Insurance is managed by Hamilton Captive Management.  2A Insurance has further entered into a reinsurance Agreement and Share treaty with port Royal Insurance Company, Ltd. SAC, whereby Port Royal provides reinsurance coverage to 2A Insurance Co. for claims that have potential for heavy cost outlays.  

2A Insurance Company is committed to providing the funding and insurance based financial management infrastructure to make CCW Safe the industry leader in legal services membership plans for the concealed carry community.  CCW Safe is the company with the greatest financial security to finance claims and meet the needs of members.  Creating 2A Insurance solidifies CCW Safe as the clear choice for anyone seeking self-defense legal services coverage.  Any further questions on 2A Insurance Company please contact CCW Safe attention General Counsel Kyle Sweet (support@ccwsafe.com).

As the Primary covered member (Defender Plan with added Civil liability) you are covered for all standard services & benefits that go along with your plan and are locked in with up to a 500k bond with no cap on criminal or civil defense (no cap on attorney retainer) and you added the civil liability so you also have 1 million in dedicated funds for yourself.  This is covered you any place you can legally possess a firearm , in your home and vehicle,  and any private property in which you are not trespassing.  This is for self-defense responses of physical force, any legal weapon where you are defending against a life threatening attack against yourself or another.  At no additional cost your spouse and all children under 18 are covered within the residence only for all legal self-defense responses (including knives and legal shotguns) to life threatening attacks in the home (not against family members, domestic relationships or anyone invited in the home).  Each of your family members are covered for up to a 250k bond at no additional charge.  The family coverage is the same standard services to include but not limited to: Criminal and civil defense, attorney fees, investigative costs, home clean up, counseling and much more. Again the family is not covered outside the home and you must add civil liability coverage for every addition covered member if you choose ($220yr).

There is no other company in the industry that covers what CCW Safe covers (see full benefits list under Comparisons at top of website)

Absolutely not.  The Civil liability coverage add-on and withinthe Ultimate Plan is a dedicated 1 million dollars for Civil liability.  This does not change the unlimited and "no cap" on the criminal defense or civil defense of our members.  Our 75 years of collective law enforcement experience provides us insight into the importance of no placing a cap on defense costs.  We pay what is needed to provide the best defense teams in both court proceedings.

TOP TEN REASONS CCW SAFE IS THE BEST CHOICE

1. CCW Safe is the ONLY legal defense membership service that has actually been put to the ultimate test, funding a member's capital murder defense and providing the resources that literally helped to secure a “Not Guilty” verdict.

-     This is important because you KNOW that CCW Safe has the financial means to support a defense against the worst-case scenario; a Murder charge for a self-defense incident.  With CCW Safe, you know you are investing into a system that has been successful.

-     This is important because you KNOW that CCW Safe hires the most experienced local attorneys for its members and supports the attorneys through the process so they can concentrate on your defense. 

2. When you call CCW Safe’s multi-line Emergency Call Center you have a full-time (24/7/365) emergency staff dedicated to answering your call for help. These emergency agents are prepared to immediately patch you into a CCW Safe Attorney who is experienced in defending Capital Murder cases and Controversial Self-defense Shooting cases. 

-     This is important because you KNOW that CCW Safe does not have to depend on a “Single Cell phone” system with the possibility of battery life or cell signal issues like its competitors.  A system similar to 911 dispatch center which we are all familiar.

-     This is important because you don’t have to give a complete story without legal privilege to a Critical Case Manager in how some competitors operate; just to be placed on hold so the information can be presented to a lawyer.

3. CCW Safe’s Experience in Financial Commitment: Understanding how to effectively prepare for, and execute the financial commitment for long-term catastrophic cases is an experience that is vital in providing a defense such as the defense of Stephen Maddox. 

-     This is important because you KNOW that CCW Safe understands the importance of not placing a cap on your defense (criminal or civil).  Any company that does has no idea the true cost of a worst-case scenario case (a murder case).  Other companies present you won’t have out of pocket expenses yet when all of your designated funds are spent to get out of jail on bond and a lawyer retainer then the rest has to come from you

4. CCW Safe's Experience in Legal Matters:  No self-defense incident is a Second Amendment issue.  What is desperately needed if you are involved in a self-defense shooting and are being charged with a crime, like Stephen was, is an experienced attorney in self-defense cases. When it comes to your freedom, experience is of the utmost importance.  Our National Trial Counsel Don West brings that experience, and the ability to find qualified attorneys to represent our members. 

-     This is important because you KNOW that CCW Safe has an understanding of what is truly needed in such a case and hired one of the best in the nation to secure and manage the most experienced attorneys for your case.

5. CCW Safe's Experience in Evidentiary Matters:  Being able to understand the evidence, how it is collected, how it is tested, and how it will be presented, is an important fact that the CCW Safe Critical Response Team and National Trial Counsel understands.  Because of our experience in investigations of shootings, of evidence in such cases, and of the role of evidence in a trial, that gives our members a better defense.  

-     This is important because you KNOW that CCW Safe has experts within the organization and are not just a group who acts as liaison between you and the hired attorneys.  We have 75 years of law enforcement experience collectively and our in-house attorneys have almost 50 years of collective experience in criminal defense and civil litigation experience.             

6. CCW Safe's Experience in Response: Having someone experienced in what you are, and will be going through, is very important.  In fact, it is priceless.  Being certified in peer support, or critical stress response is one thing, but there's no comparison to actually having a face to face with someone who has experience in using deadly force in a self-defense setting.  CCW Safe's critical response team actually responds to the location of our members.  They have all have been personally involved in law enforcement shootings where they were defending themselves.  Some have even been sued in reference to those incidents.

-     This is important because you KNOW that CCW Safe has the only true “Boots on the Ground” response element in the industry.  We knew the members and their family would need more than just help by phone.  It is because we have been involved in hundreds of deadly force encounters and that is not the time to be left alone.  Most citizens would not know how to interact with their attorneys or understand the criminal justice system. 

7. Unlike the competitors, CCW Safe is not a “wasting policy” and your civil defense costs do not diminish your civil liability protection.

 -    This is important because you KNOW that CCW Safe has dedicated funds for civil liability damages.  Some competitors take any funds used for the criminal and civil defense away from the overall offered civil damage covered.  That is called a “wasting policy”.  You don’t truly have the amount they promise

8. CCW Safe is the only service that allows you the flexibility to make a plea bargain deal and still have your defense costs paid.  Other services require you to go to trial and to be found completely not guilty to be compensated for the costs of your defense.

 -    This is important because you KNOW that CCW Safe is not like other services that require you to go to trial and to be found completely “not guilty” to be compensated for the costs of your defense.

9. CCW Safe is designed after the “Police Union” model, which allows for citizens to be treated like victims of a violent encounter instead of a suspect. Its designed to provide similar response, resources and support for citizens following a self-defense shooting that is given to police officers when they are involved in on-duty shootings.

 -    This is important because you KNOW that CCW Safe has experience with the process of interrogations and understand the need to have two sleep cycles before an official interview to be rested so that you have the best opportunity to remember the details of the event.  When these other groups allow you to speak before you are ready you find yourself locked into a “half story”.  This is something that can be attacked during trial as your most accurate story comes later and you may be accused of not telling the truth because it is non consistent with the report you provided on the same day.

10. CCW Safe covers areas of the process that other companies don’t even think about. We cover court reporters, videographers, jury consultants, social media management consultants, evidence and demonstrative exhibit creation and display in trial prep and throughout trial, medical research, consultant experts who work behind the scenes but won’t testify, personal security in the event of crowd management at a members residence or place of business, temporary housing and relocation services in a high impact public case, mock cross examination prep services for the member in the event they testify, etc. We pay all of these and more.

 When it comes to self-defense coverage there is no better choice than CCW Safe!

DEFENDER PLAN
Description: $179 Annual or $16 Monthly payments
The CCW Safe Defender Plan Covers a Concealed Carry Permit holder (and if selected, a Spouse as a Permit holder, or a spouse covered by Provisional terms) for any criminal, civil or administrative legal action stemming from a self-defense incident. This plan is non-transferrable. The Primary member must either have a resident or non-resident concealed carry permit (Does not include FOID cards). All permits must remain valid. The Primary member (and Spouse if selected) will be covered (up to 500k bond) for all legal use of force responses to life threatening attacks at your home, your vehicle and any place it is legal to carry in public or on premises in which possession of a firearm is not illegal or prohibited by the property owner (all legal weapons covered). All family members that reside at the home of the Primary member, who are not prohibited from possessing a firearm, shall be covered at no additional cost inside the residence ONLY (all covered up to a 250k bond). Note: 1 Million-dollar bond coverage cannot be increased with add-on.

This plan includes access to our 24-hour emergency hotline, attorney fees, investigators fees, experts, and other expenses associated with defending criminal, civil and administrative actions stemming from a self-defense incident. Appeals and Firearm Replacement during trial Covered. The plan also includes: Up to $250 a day work loss while in criminal or civil trial, up to 10 sessions (up to $4k) for a licensed counselor, up to $3k for crime scene clean-up home ONLY if needed and any other benefits or services that are standard with all plans. The Buyer acknowledges that they are not a prohibited person, and if found that they are a prohibited person and it is against any state or federal law for them to possess a firearm, then their membership is forfeited and will not be refunded.
The Defender Plan will be an annual membership and coverage is good for one year. The Defender Plan is a recurring subscription membership either yearly or monthly payments; and if you choose to pay by check using the mail-in form it should be mailed 5 days prior to your anniversary date. On the next step, you will choose if you want to pay annually or monthly. Monthly memberships agree to pay monthly fees for at least one year to complete annual membership. Civil Damage coverage not included and must be added. Additional bond coverage and Coverage for an additional permit carrier outside the home can also be added during the checkout.

The Buyer acknowledges that they are not a prohibited person, and if found that they are a prohibited person and it is against any state or federal law for them to possess a firearm, then their membership is forfeited and will not be refunded.

Restrictions - The Defender Plan will not cover the following:
* Force used against other family members
* Force used against people who are in your house with permission or invite.
* Any force that is not in self defense
* Restrictions listed in Terms of Service
Digital Membership Cards- We do not send out plastic cards or packets. You can immediately save your digital membership card to your phone after purchase, or you can print out your membership card to carry in your wallet.

Access to 24- hour Emergency Hotline- Your emergency calls will be answered by a live agent 24-hours a day, 365 days a year. Your call will immediately be patched through to an attorney, and you will have access to immediate legal support.

Access to Online Content and Videos- We provide our members with weekly content that is directly applicable to concealed carry. We only send out 2 newsletters a week, and you must opt in to receive our free newsletters.
___________________________________________________________
Add-Ons for Permit Plans:
Add Spouse Coverage $100 (Outside home)
Civil damage/liability $220 coverage per member (Primary and/or Spouse ONLY)
Add 500k Bond coverage $50 (Children under 18 ONLY)
Add 1 Million Dollar bond coverage $100 (Spouse ONLY)

PROTECTOR PLAN
The Protector plan is designed for those who are active or fully retired military or active or retired law enforcement only. Retired members must have a CCW permit or LEOSA (HR218) status.
Description: $149 Annual or $14 Monthly payments
The CCW Safe Protector Plan Covers a Military or Law Enforcement officer (active or fully retired (and if selected, a Spouse as a Permit holder, or a spouse covered by Provisional terms) for any criminal, civil or administrative legal action stemming from a self-defense incident (off duty only). This plan is non-transferrable. The Primary member must be fully active or retired military or law enforcement. All permits must remain valid. The Primary member (and Spouse if selected) will be covered (up to 500k bond) for all legal use of force responses to life threatening attacks at your home, your vehicle and any place it is legal to carry in public or on premises in which possession of a firearm is not illegal or prohibited by the property owner (all legal weapons covered). All family members that reside at the home of the Primary member, who are not prohibited from possessing a firearm, shall be covered at no additional cost inside the residence ONLY (all covered up to a 250k bond). Note: 1 Million-dollar bond coverage cannot be increased with add-on.

This plan includes access to our 24-hour emergency hotline, attorney fees, investigators fees, experts, and other expenses associated with defending criminal, civil and administrative actions stemming from a self-defense incident. Appeals and Firearm Replacement during trial Covered. The plan also includes: Up to $250 a day work loss while in criminal or civil trial, up to 10 sessions (up to $4k) for a licensed counselor, up to $3k for crime scene clean-up home ONLY if needed and any other benefits or services that are standard with all plans. The Buyer acknowledges that they are not a prohibited person, and if found that they are a prohibited person and it is against any state or federal law for them to possess a firearm, then their membership is forfeited and will not be refunded.
The Protector Plan will be an annual membership and coverage is good for one year. The Defender Plan is a recurring subscription membership either yearly or monthly payments; and if you choose to pay by check using the mail-in form it should be mailed 5 days prior to your anniversary date. On the next step, you will choose if you want to pay annually or monthly. Monthly memberships agree to pay monthly fees for at least one year to complete annual membership. Civil Damage coverage not included and must be added. Additional bond coverage and Coverage for an additional permit carrier outside the home can also be added during the checkout.

The Buyer acknowledges that they are not a prohibited person, and if found that they are a prohibited person and it is against any state or federal law for them to possess a firearm, then their membership is forfeited and will not be refunded.

Restrictions - The Protector Plan will not cover the following:
* Force used against other family members
* Force used against people who are in your house with permission or invite.
* Any force that is not in self defense
* Restrictions listed in Terms of Service
Digital Membership Cards- We do not send out plastic cards or packets. You can immediately save your digital membership card to your phone after purchase, or you can print out your membership card to carry in your wallet.

Access to 24- hour Emergency Hotline- Your emergency calls will be answered by a live agent 24-hours a day, 365 days a year. Your call will immediately be patched through to an attorney, and you will have access to immediate legal support.

Access to Online Content and Videos- We provide our members with weekly content that is directly applicable to concealed carry. We only send out 2 newsletters a week, and you must opt in to receive our free newsletters.
___________________________________________________________
Add-Ons for Permit Plans:
Add Spouse Coverage $100 (Outside home)
Civil damage/liability $220 coverage per member (Primary and/or Spouse ONLY)
Add 500k Bond coverage $50 (Children under 18 ONLY)
Add 1 Million Dollar bond coverage $100 (Spouse ONLY)

ULTIMATE CLUB PLAN
Description: $499 a year –
The CCW Safe Ultimate Plan Covers at Home and in Public a Concealed Carry Permit holder and a Spouse as a Permit holder, or a spouse covered by Provisional terms for any criminal, civil or administrative legal action stemming from a self-defense incident. Dedicated Civil Damage coverage up to 1 Million dollars and up to a 1 Million-dollar bond covered is included with this plan (Primary Covered Member ONLY) (additional civil damage coverage must be added per member). Both Primary and Spouse are covered for a bond up to 1 million dollars.. This plan is non-transferrable.

The Primary Covered Member and Spouse must either have a resident or non-resident concealed carry permit for coverage in public (Does not include FOID cards). All carry permits must remain valid. The Primary Member and Spouse will be covered for all legal use of force responses to life threatening attacks within the Residence Premises, vehicle (during legal transport) and any place it is legal to carry in public or on premises in which possession of a firearm is not illegal or prohibited by the property owner (all legal weapons and physical force covered). All familial designees (Children under 18 years of age) shall be covered at no additional cost that reside at the home of the Primary member, who are not prohibited from possessing a firearm, inside the residence ONLY with all covered up to a 500k bond (upgrade available). Note: 1 million dollar bonds cannot be increased.

“Be part of the Club!” This plan includes access to our 24-hour emergency hotline, attorney fees, investigators fees, experts, and other expenses associated with defending criminal, civil and administrative actions stemming from a self-defense incident. Appeals, Firearm Replacement during trial and Firearm theft coverage, and Criminal Record Expungement Covered. The plan also includes: Up to $350 a day work loss while in criminal and civil trial, up to 40 sessions (or up to $150 per session) for a licensed counselor, up to $4k for crime scene clean-up home or vehicle (if needed) and any other benefits or services that are standard with all plans. This plan also provides coverage for volunteer church security members (volunteer only). Automatically Registered as an “Ultimate Club Member” receiving double rewards points, an Ultimate Club Gift Pack to include: CCW Safe T-shirt, Challenge Coin with emergency number applied, CCW Safe “Crime & Place” App to help avoid dangerous areas as you travel, and other perks.
The Ultimate Plan will be an annual membership and coverage is good for one year (Annual payments only). The Ultimate Plan is a recurring subscription membership and if you choose to pay by check using the mail-in form it should be mailed 5 days prior to your anniversary date.

The Buyer acknowledges that they are not a prohibited person, and if found that they are a prohibited person and it is against any state or federal law for them to possess a firearm, then their membership is forfeited and will not be refunded.

Restrictions - The Ultimate Plan will not cover the following:
* Force used against other family members.
* Force used against people who are in your house with permission or invite.
* Any force that is not in self-defense.
* Restrictions listed in Terms of Service.
* Any family (with or without permit) that does not live in the household of the Primary.
* Children in the home 18 years old or above (they are not considered Familial and must have their own account)
Digital Membership Cards- We do not send out plastic cards or packets. You can immediately save your digital membership card to your phone after purchase, or you can print out your membership card to carry in your wallet.

Access to 24- hour Emergency Hotline- Your emergency calls will be answered by a live agent 24-hours a day, 365 days a year. Your call will immediately be patched through to an attorney, and you will have access to immediate legal support.

Access to Online Content and Videos- We provide our members with weekly content that is directly applicable to concealed carry. We only send out 2 newsletters a week, and you must opt in to receive our free newsletters.
___________________________________________________________
Add-Ons for Permit Plans:
Civil damage/liability $220 (Spouse ONLY)

The CCW Safe Constitutional Carry Plan was designed to cover a single member who resides in a state designated as a “Constitutional Carry” state (not required by law to possess a valid permit/license to carry concealed and open).  This states include the following and coverage will extend to all future states that adopt the legislation that allows carry (concealed or open) within their state without a carry permit/license: Alaska, Arizona, Arkansas, Idaho, Kansas, Maine, Mississippi, Missouri, New Hampshire, North Dakota, Vermont, West Virginia and Wyoming.

Alaska

On June 11, 2003, Alaska Governor Frank Murkowski signed House Bill 102 into law, making Alaska the first state to rescind its requirement for a concealed carry permit. The bill eliminated the crime of simply carrying a concealed weapon by changing the definition of the crime. The section of law that describes the first instance of "misconduct involving weapons in the 5th degree" now requires that a person must either fail to inform a law enforcement officer of the weapon upon contact, fail to allow the law enforcement officer to secure the weapon (or to properly secure the weapon him/herself) upon contact, or if at another person's home, fail to obtain permission from a resident to have a concealed weapon on the premises.  The law took effect on September 9, 2003.

Arizona

On April 16, 2010, Arizona Governor Jan Brewer signed Senate Bill 1108 into law. The law eliminated the requirement to obtain a permit in order to carry a concealed weapon in Arizona for U.S. citizens 21 and older. The process to obtain a permit was left in place so that Arizona residents could still obtain permits in order to carry concealed in other states or to carry in a restaurant or bar that serves alcohol.  The law took effect on July 29, 2010.

Arkansas

Prior to August 16, 2013, Arkansas law (§ 5-73-120) prohibited "...carrying a weapon...with a purpose to employ the handgun, knife, or club as a weapon against a person." Among other exceptions, Arkansas law allowed a defense to the charge of carrying of a weapon if "[t]he person is on a journey..." but did not define what constituted a "journey". Another defense permitted an individual to carry a concealed weapon if the person had a valid concealed weapons license. This provision was generally interpreted to prohibit open carry.  On August 16, 2013, Arkansas enacted Act 746. This act made two major changes. First, it statutorily defined a "journey" as "...travel beyond the county in which a person lives..." Because traveling on a journey is one of the defenses to § 5-73-120, a plain reading of the statute would indicate that the prohibition against carrying a weapon would now apply only to a person traveling within their home county. Second, it modified § 5-73-120 to prohibit "...carrying a weapon...with a purpose to attempt to unlawfully employ the handgun, knife, or club as a weapon against a person." Various firearms groups have interpreted this provision to require that the state must now prove that a person actually intends to use a weapon to commit a crime; and without proving this intent, possession of weapons, whether openly or concealed, is now legal.

Idaho (residents only)

Governor Butch Otter signed SB 1389 on March 25, 2016. The bill went into effect on July 1, 2016. SB 1389 does not apply to residents of other states. Non-residents must openly carry or have a permit from another state. SB 1389 also created an avenue for individuals 18–20 years old to obtain concealed carry permits.

Kansas

SB45 was introduced in the Kansas Senate in early 2015. The bill initially passed the Senate 31-7 on February 26. The bill was sent to the House, amended, and passed 85-39 on March 25. The Senate then concurred, passing the amended bill 31-8 (also on March 25). On April 2, the bill was signed by Governor Sam Brownback and the law became effective on July 1, 2015, establishing constitutional carry in Kansas.  Kansas issues licenses to carry concealed handguns on a shall-issue basis. As of April 2015, over 87,000 current permits are issued. No permit is required to openly carry a firearm. Kansas will continue to issue permits so that Kansas residents may carry in other states that accept Kansas concealed carry permits.

Maine

In 2015, LD 652 was a constitutional carry bill that was under consideration by the Maine Legislature. It had 17 co-sponsors in the Senate and 79 co-sponsors in the House. LD 652 was signed into law by Governor Paul LePage on July 8, 2015. It came into effect on October 15, 2015.

Mississippi

As of July 1, 2015, the concealed carry law was amended to say "no license shall be required under this section for a loaded or unloaded pistol or revolver carried in a purse, handbag, satchel, other similar bag or briefcase or fully enclosed case".  On April 15, 2016, the law was further expanded to include belt and shoulder holsters and sheaths.  This effectively allows for constitutional carry in Mississippi. However, some forms of concealed carrying would still require a permit (e.g. Mexican carry or concealed in an ankle holster).

Missouri

SB 656 allows for permitless concealed carry for anyone 18 years or older who may lawfully own a gun. The bill was passed by the legislature in 2016 but Governor Nixon vetoed it on June 27, 2016. The legislature reconvened for the veto-override session on September 14, 2016. The Senate voted to override the veto with a 24 – 6 vote (23 required) and the House followed through shortly thereafter with a 112 – 41 vote (109 required). The law went into effect on January 1, 2017.

New Hampshire

In early 2017, several senators and representatives introduced New Hampshire Senate Bill 12, which proposed removing the requirement for a license to carry a loaded concealed handgun. The bill also proposed extending the minimum license period from four years to five years, removing the discretionary "suitable person" language from the Pistol/Revolver License law, and directing the state police to pursue reciprocity agreements.  On January 19, it was passed by the New Hampshire Senate by a vote of 13 – 10.  Governor Chris Sununu, who took office in January 2017, expressed support for this bill after the Senate vote, stating, "I am pleased that the State Senate today voted to advance common sense legislation in support of a citizen’s fundamental right to carry a firearm, joining neighboring states throughout the region and across the country."  On February 9, it was passed by the New Hampshire House by a vote of 200 – 97.  Governor Sununu signed the bill into law on February 22, 2017. It took effect immediately.   New Hampshire had made several previous attempts to pass constitutional carry legislation. Bills were introduced in 2011  and 2012, but failed to pass the legislature. Other bills were introduced in 2015 and 2016, and both passed the legislature, but they were later vetoed by Governor Maggie Hassan.  Previously, carrying a concealed handgun unloaded was legal without a license. A New Hampshire Supreme Court decision in 2013 clarified that the law did not prohibit carrying a concealed handgun if it is unloaded and no round is chambered, even if a loaded magazine is nearby.

North Dakota (residents only; concealed carry only)

On March 23, 2017, Governor Doug Burgum signed House Bill 1169. Under its provisions, people carrying concealed without a concealed weapons license will need to carry a form of state-issued photo ID, must be a North Dakota resident for at least 1 year, must inform police about their handgun upon contact, and must not otherwise be prohibited from possessing a firearm by law. Open carry of a loaded handgun and carrying in a vehicle will still require a permit. Non-residents will continue to be required to have a permit recognized by North Dakota to carry openly or concealed. The law went into effect on August 1, 2017.

Vermont

For many decades, the only state to allow "constitutional carry" of a handgun (i.e. without any government permit) was Vermont. From the formation of the 13 original states, "constitutional carry" was the law in all states until the 19th century. By the 20th century, all states except Vermont had enacted concealed carry bans, with the exemption in most states for those citizens with a permit.  Due to wording in its state constitution and decisions made by the state courts, Vermont has never been able to have a restriction on the method of how one could carry a firearm, and thus, in this regard, Vermont stood entirely separate from the rest of the United States for quite some time.  Because of this, constitutional carry is still sometimes referred to as "Vermont carry".

West Virginia

HB 4145 was passed by the House on February 8, 2016 and Senate on February 22, 2016, but vetoed by Governor Tomblin on March 3, 2016. The House then voted to override the veto on March 4, 2016 and the Senate voted to override on March 5, 2016. The law took effect on May 24, 2016.

Wyoming (residents only)

On March 2, 2011 Wyoming Governor Matt Mead signed legislation to allow constitutional carry.  The law officially went into effect on July 1, 2011. Under the law, residents age 21 and older may carry concealed or openly without a permit. Visitors to the state and persons age 18-20 must either have a valid concealed carry permit from a jurisdiction that Wyoming recognizes or carry the weapon openly.  While Wyoming does have the resident limitation it is similar to Vermont in that the police may not disarm a citizen just because they "feel" it's necessary.

Civil defense funds is the total cost and fees associated with a civil trial (preparation and all it takes to make it through the civil trial).  We have always covered the Civil defense.  Civil liability funds are the dedicated funds if the member loses a civil trial and specific to paying the person who has brought forward the civil suit.  We do not cap the criminal defense funds (no limit) so we are able to provide the best civil defense attorneys and team.  

Our Ultimate Plan has a dedicated 1 million dollars for civil liability; all other plans allow the civil liability coverage to be added per member ($220yr). You can add the civil liabity coverage per member to any plan and some plans have an added liability package built in (one person cannot add a second million dollars to the same policy). We did not design a “Wasting Policy” like our competitors where funds are taken away from the million dollars to cover other costs nor is civil liability bundled with the civil defense.

Please visit our terms for details https://ccwsafe.com/page/terms

Yes, we will cover the defense of the civil suit in a self defense shooting.  To be covered for civil damages and liability you must have a plan that covers that area or must have added it to your existing plan (cost per member for coverage).  If you do not have a plan that has civil damage/liability coverage you will be responsible for damages and liabity.  That being said, you are still responsible for every bullet that leaves your gun.  This is the same responsibility that follows law enforcement.  So many people think that law enforcement will fire if threatened, but part of the training is to make sure you are aware of the background.  If you can’t shoot safely, you don’t shoot.  Unless you are highly trained and experienced, you will most likely miss your target even at close range in a high-stress critical situation.  This is why scenario based training, not just range time, is so critical.

Provisional Terms:

Provisional Membership Terms:  There are three types of members covered through "Provisional Terms" and they are Spouses attached to a Dual membership that do not have a valid CCW permit, an individual single member who has passed all the state requirements (background check and training requirements if applicable) who is merely waiting for a permit to arrive and Children under 18 years of age that are covered as a "Familial status" designee.

Provisional Member (Spouse):  The provisional term allows a Spouse ONLY under a Dual membership (who is not a person restricted from possessing a firearm) to receive services as an "Additional Covered Member" in the home, following legal vehicle transport and any place the spouse can legally possess a firearm without needed a CCW permit.  The spouse must reside in the same "Residence Premises" and is covered for all legal weapons and physical force in response to a "Recognized Self-defense Use of Force Incident" following a life-threatening attack.  The “policy term” matching that of the “Covered Member” and is terminated when the “Covered Member” terminates service or service is cancelled by any other means. 

Provisional Member (Children):  All designees under “Familial status” (17 years old or younger) that reside in the same “Residence premises” as the “Covered Member”.  The designees are covered even if they do not have a concealed carry permit and are covered for “Recognized Self-defense Use of Force Incidents” within the “Residence premises” ONLY and is covered for all legal weapons and physical force in response to a "Recognized Self-defense Use of Force Incident" following a life- threatening attack.  The bond for those covered under “Familial status” is up to a 250k bond unless upgraded through covered plan or add-on service cost.  The “policy term” matching that of the “Covered Member” and is terminated when the “Covered Member” terminates service or service is cancelled by any other means. 

Provisional Member (Individual):  The provisional term allows a member to receive services upon completion of a state required background check and concealed carry course (if part of process), with services continuing for up to 4-months to allow member to physically obtain a permit. The provisional term enables a “Covered Member” to receive services anywhere it is legal for member to possess a firearm (home, vehicle, public or private property the “Covered Member” is not trespassing).  If the “Covered Member” under Provisional Terms fails to provide the Company with proof of valid permit 4-months after signing up for service the membership shall be null and void without refund.

All of the plans non-permit and permit)  automatically cover the spouse and children 17 and younger for home invasions at no additional cost.  In the Ultimate plan the secondary member (Spouse) is automatically covered under "Provisional terms" and in the other permit plans they are only covered for home invasions unless they add spouse add-on.  The "spouse add-on" will then allow the wife without a permit to be covered under provisional terms and coverage.  The add-on allows the spouse with a permit to have the same coverage as the primary.

Location Covered under Provisional terms: For a firearms response to a life threatening attack the added spouse without a permit is covered any place you can legally possess a firearm without a permit and in the home.  For any other legal weapon (not firearm) or physical force response to a life-threatening attack the spouse is covered like the primary in all 50 states. 

Note: The FOID card and the "Hunters/Recreational Shooter permit" is not a concealed carry permit without restrictions.

Yes.  Members are allowed to take the courses at no additional price.  The free code for members is located in your private member's newsletter so if you opted out please check the "Opt in" box for email notifications and look for the announcement for the class you want to take within the newsletters.  Use the code instead of the paying the payment as there is no fee for you.

The "Ultimate Plan" is the only membership subscription that covers actions by "Volunteer Church Security" teams or individuals acting as a security agent for the church.  It covers a "Primary Covered" member alone or spouse who is also part of the security team.  In our terms of service "On-duty" incidents are not covered and technically acting as an agent of the church would place you in that position if it is your responsibility permanently or on a rotating or part-time (during church service) basis to respond to threats.  An exception was made for those under the Ultimate plan as a "Special Benefit" similar to that plan being the only one covered for the firearm theft benefit.  No other members of the security team are covered unless they too are Ultimate Plan members.  

This coverage is specific to threats of life and violent attacks on church grounds for the member or others.  This is not to say that a member within their legal rights to defend their life or others, not part of a volunteer church security team, wouldn't be covered.  Only those who are knowingly taking on the position or responsibilites of that type of response team to threats on church grounds would be required to upgrade to the Ultimate plan for coverage.

Some of the companies in our industry abandon you if you are found guilty or take a plea agreement, or may require you to reimburse the company for any payouts.  CCW Safe does not do either of these and will continue to pay for all of your defense costs if found guilty or take a plea. 

iPhone users can open the welcome email from CCW Safe on their iPhone and simply tap the Passbook image or on the link to Add to Passbook. Passbook is on every iphone and it is an apple app that can't be deleted.  If you cannot find it, you can swipe your home screen to the right and search for Passbook.  Once it opens in Passbook, tap add at the top.  

At the bottom corner of the digital card is a "i" information icon that members can tap to get more information, like the link to our ermergency phone number and terms.  

For Android users, you will need to download the free app Pass Wallet on the Google Play Store.  Click here for the link.  Like on the iPhone, you will need to open your email on your android phone to add to Pass Wallet.  

You can also log into your account at ccwsafe.com and go to My Membership > View Membership and you can email yourself a link to download on your phone. 

You currently have the 129 plan with 250k bond coverage.  Your payment and bond is locked unless you either change plans or allow your payment to stop next year.  The single membership plan does not automatically change to the Defender plan with 500k bond (it has to be purchased as a new product).  If you had the extended bond coverage for the 1 million dollars it would have been grandfathered in and remained locked into that bond.  If the purchase of the defender plan is a new purchase it would be the 500k bond.  In addition all plans are covered with no caps on criminal defense and civil defense.  The only added civil coverage which has to be added on is $220 a year on your existing account if you want the added coverage (for a dedicated 1 million liability judgment).

This is a simple fix that can be handled by the support team please send your request and the below listed information to the email (support@ccwsafe.com):

Spouse's full name, a separate email address than that of primary member, a separate cell phone number and a CCW permit number (or advise spouse is without and needs to be covered under Provisional terms).

Church's are required and responsible to cover the actions of they hire and act as their "Agents." If you are acting as an agent for the church, paid or volunteer, then the church would be responsible for covering an incident on their property.  When you are an individual or part of a group that is considered the people to alert or one of the church members to approach to handle suspicious people or handle threats you become part of "Security" even if there is no official title for that position but you take on the responsibility.  This is not to discourage what you are doing. It’s a great thing!  The church just needs to pay for the aftermath and legal consequences of the defensive shooting.  If this is not worked out by the church and individual/group that takes on this responsibility you will be left to foot the bill. 

CCW Safe only has one membership plan that covers an incident for those that volunteer as part of a church security team and that is the "Ultimate plan" under a "Special Benefit" allowed for that membership plan only.  All other permit plan and non-permit plans are excluded.  This is not to say that a member witin their legal rights to defend their life or others, not part of a volunteer church security team, wouldn't be covered.  Only those who are knowingly taking on the position or responsibilites of that type of response team to threats on church grounds would be required to upgrade to the Ultimate plan for coverage.  

Remember:

CCW Safe Academy Codes - Contact support@ccwsafe.com for specific codes

FIRST TIME ON COURSE:

If you have never logged into the Academy Courses before you will need to enroll so go to ccwsafe.teachable.com or type into your search bar at the top of your browser ccwsafe/academy.

Put in your email address (try to match the one that is used to log into your account).  Remember this is a secondary website so you can’t just use your regular log in and password without enrolling separately.  

NOT FIRST TIME ON COURSE BUT UNKNOWN PASSWORD:

Go to ccwsafe.teachable.com or type into your search bar at the top of your browser ccwsafe/academy.  In the upper right hand corner click on “Log in”and it will take you to the “Log In to CCWSafe Academy” screen.

Put your email address in and click on “Forgot Password” and  it will take you to the “Reset Password” screen.  Type the same email in and go to that email and follow the directions to reset your password. 

NOT FIRST TIME ON COURSE - JUST NEED THE FREE CODE:

If you have taken a course in the past. Go to ccwsafe.teachable.com or type into your search bar at the top of your browser ccwsafe/academy.  In the upper right hand corner click on “Log in”and it will take you to the “Log In to CCWSafe Academy” screen.  Put in your known email address and password (it helps to save it to the computer you use).  

Click on the box that shows the specific course you want to take. Then click on the Enroll in Course and you will be taken to start the checkout (free).  Click on the Coupon box and enter the code and apply and the computer will mark it as free.  And then complete the checkout. Go through directions to complete the check out and to start the course. 

CCW Safe takes avoidance and de-escalaton very seriously and this is why we teamed up with the Crime & Place developers to present our own version of this app.  Whether at home or traveling in the United States, Crime and Place is an indispensable personal safety tool for gaining visibility to personal and property crime trends, to help you avoid becoming a statistic.  High Crime Area Notifications included 

This app will be presented by us as our version of the App (although functionality is the same).  For those under the Ultimate plan only… CCW Safe will pay the subscription for the Primary (for Single) and Primary with Spouse (for Dual) for one year.  All other members can purchase the app and subscription through our special link.

The Spouse coverage can be added outside of the home for $100 additionally (does not include home defense plan). This includes coverage for additional HR218 covered spouse (Law Enforcement ONLY), CCW permit holders or those under “Provisional terms" (see below). In this case the bond coverage for your spouse is matched by the coverage of the primary member (If you have 500k bond the spouse has the same after purchasing the additional spouse coverage).  

The Ultimate plan covers both the Primary member and spouse for up to one million dollar bond without adding any additional fees (It would only be required to add additional civil liability coverage for the spouse under that plan).

Provisional Member (Spouse):  The Provisional Term allows a spouse ONLY under a Dual Membership, who is not a person restricted from possessing a firearm, to receive services as an Additional Covered Member in the home, following legal vehicle transport and any place the spouse can legally possess a firearm without needed a CCW permit.  The spouse must reside in the same Residence Premises and is covered for use of all legal weapons and physical force in response to a Recognized Self-defense Use of Force Incident following a life-threatening attack.  The Policy Period and Bond matches that of the Covered Member’s and is terminated when the Covered Member terminates service or service is cancelled by any other means.  

CCW Safe is known for being the leading company in this area of coverage due to our experience level and adaptable benefits and servivces.  A few years ago (2013) we were the first to show the need for the standard bond to be 250k covered.  Since then one of our members was unfortunate enough to go through a 2 week murder trial; the first in the industry.  Being familiar with the criminal justice system we knew covering a 250k bond was plenty for a straight forward self-defense shooting case (home invasion, car jacking, robbery, etc.).  The Maddox Case proved that a questionable shooting in which a murder charge is the allegation allows for the judge to attach a higher bond.  We already had a plan that would covered up to a 1 million dollar yet felt we should move the standard bond to 500k bond so we know our members are prepared for the worst case scenario.  We thought ahead so not to set our members up for undue stress because of the financial strain caused by an elevated bond (1 million dollar bond upgrade is still available).  Those that have the 250k bond prior to 11/27/2017 will be allowed to keep it if they choose to or upgrade upon their renewal.  We will just no longer present the lower bond as an option for new members.

 CCW Safe has a policy in which on-duty incidents are not covered when hired or volunteer to protect people, locations, property, or otherwise use their weapon to defend against a criminal act, defend their own  or violence.  There is one exception and that is a special coverage for volunteer church security team members through the Ultimate plan only.  

No others are covered for on-duty security services.  This includes police officers, secutity guards, volunteer security forces and any others acting as an agent of the city, state, government, company, organization or entity.  The organization the hires or allows someone acting as an agent is responsible for covering them with insurance for their actions surrounding using legal force. 

A member that is not part of a security force or organized volunteer security team for any church shall be covered during a life threatening attack as well.  All others that have permit plans (Protector and Defender) who choose to be part of a volunteer church security team should upgrade to the Ultimate Plan to take advantage of the "Special Coverage" benefit to cover their actions defending against a deadly attack at church. All other restrictions and exclusions within the terms of service still apply.

We do cover our members that are forced to defend the lives of third party victims in legal shooting incidents (to include beyond family members).  Please be reminded that we are all retired or former law enforcement and always caution against just using that blanketed statement.  You have to be very careful understanding the difference between defending property and defending a life.  You are using words like "...protect those being threatened?'  Be sure you are well within your right to use deadly force in the state you are in for the threat you observe.  Your actions are viewed separately when you can articulate a threat against yourself versus another person.  We will be by your side as long as you stay legal; but remember you will be judged by your peers who will have the luxury of judging your actions months later and test against its reasonableness (would they make the same decision in that situation).  When you pull the trigger for a third party you still may find yourself having to fight for your freedom because of your decisions.  You must consider your backdrop (other citizens that may be hit by gunfire), "Friendly Fire" incidents (walking up upon an undercover officer engaged in a deadly force incident), and proper target/weapon identification.  None of the above is to discourage you from using proper force when needed yet we would be irresponsible not to remind people to understand that they are not police officers.  Saying all that, the scenario you presented would be covered without question.

Great question, because other companies claim to provide emergency managers and critical incident personnel.  CCW Safe is the only company that provides Peer Support personnel that have experienced similar situations involving shootings and deadly force; and understand what you will be going through.  Providing immediate peer support is one of the most critical things to help you survive one of the worse incidents you may experience in your life.  Peer support for you and your family is and should be a long term process, and CCW Safe continues this service from your first call and through the end of trial.

Unfortunately, the Constitutional Carry Plan is state specific (home state only) and it does not extend outside the home state for travel.  You would have to have a valid non-resident permit and be covered by the "Defender Plan" to have coverage outside of your home Constitutional Carry state (through thre permit plan) to be covered any place you can legally carry without a permit to include other Constitutional Carry states near your home state and legal travel through the states of reciprocity associated with your non-resident permit.

The Firearm Theft coverage is extended for the Ultimate Plan members only.  This coverage is designed to cover the theft of the legal primary concealed carry firearm within the policy period. The replacement shall be for the same make and calibre at the standard market value of the firearm stolen.  This policy does not extend to cover any other stored or collected firearm owned by the Primary Covered member in the home or other storage location.

We are all former LEOs.  You will need to Place in the designated fields "State", “CCW License” and “HR218” any information that shows your status and send a copy of retired ID to support@ccwsafe.com for verification of status.

No.  We do not provide a list of attorneys in specific areas, so the attorneys we hire are not forced to deal with general inquiry questions.  They each have their own firms and bill individuals a fee for all calls.

We do invite our members to be part of the selection process if our member has a lawyer he/she wants to use.  The lawyer will be interviewed by the National Trial Counsel prior to being hired to verify that he/she is an experienced trial lawyer in self defense cases and otherwise meets the high standards we set for the lawyers we retain for the greatest defense and success.  A win for you is a win for us!  If you would like to submit an attorney to be considered for our services in advance of an incident please have the attorney present the request, please send information to support@ccwsafe.com. 

We no longer send out plastic membership cards automatically to our members.  You can download our digital membership card that can be placed on your smartphone.  You can also print out your membership card from your account under "My Membership".   Plastic waterproof laminated cards are available on request by sending your name and email to david@ccwsafe.com, or by calling our support line at 855-639-2297 and leave a message with for a Account Specialist.  We now have the thin metal membership cards for purchase at our store (CCW Safe Store ).  

No, we hire the most appropriate local attorney experienced in shooting, murder and self-defense cases, and we pay each one their regular rate of pay.  None of the attorneys used are paid a discounted rate.  You don’t need someone doing on-the-job training with your life on the line.  There is a plethora of information on our website with videos that explain the standards we hold the attorneys to that are hired for your case. All criminal defense attorneys are professionally selected, vetted and interviewed by National Trial Counsel, Don West.  Don distinguished himself as one of the lead counsel for George Zimmerman in one of the most significant self-defense case in U.S. History.

For a civil suit, our civilian attorneys are chosen for the specific issues arising from the incident and come from the ranks of DRI, Defense Research Institute. DRI is the most prestigious civil defense lawyers organization in the country.  Our civil defense attorneys are personally selected by our General counsel, Kyle Sweet. Kyle has a national practice representing insurance companies and their insureds in catastrophic litigation. Kyle has significant experience managing lawyers in complex multi-district litigation and that experience is based on the model that we hire the best lawyers because they get the best results for our members.

We invite our members to be part of the selection process if our member has a lawyer he/she wants to use.  The lawyer will be interviewed by the National Trial Counsel prior to being hired to verify that he/she is an experienced trial lawyer in self defense cases and otherwise meets the high standards we set for the lawyers we retain for the greatest defense and success.  A win for you is a win for us!  If you would like to submit an attorney to be considered for our services in advance of an incident please have the attorney present the request, please send information to support@ccwsafe.com. 

You are covered in all 50 states following a life threatening attack any place you can legally possess a firearm (home, vehicle, business, open carry, state training facility, etc.) Otherwise you are covered where you have a valid permit(s) or a state that honors the permit(s) through reciprocity. The same coverage applies if you use any legal weapon other than a firearm, such as a weapon of opportunity (tire tool, hands, brick, etc.) and weaponless defense to the life threatening attack. No weapons that are illegal by state or federal law shall be covered.

CCW Safe will pay the Bail agent fee up to 10% of a $250,000.00 bond for all members at no additional cost (standard plan).  Under the additional bond coverage plan we will pay the Bail agent fee up to 10% of a $1 million dollar bond. We DO NOT pay the remainder of the bond cost (90%). The member must make the agreement with the bondsmen, if required. We would facilitate the bail and pay the premium (bail fee to get you out of jail). So, on a $100,000.00 bond it would be CCW Safe’s responsibility to pay up to a $10,000 Bond agent fee. The rest of that bond, if required, would be secured by collateral from the member.  Please understand that collateral is not always required to be paid.  Unless you are seen as a flight risk or have past criminal history, bond collateral may not be needed.

CCW Safe covers Civil liability through our Ultimate plan without additional cost and all other plans it can be added yearly for an additional $220 or monthly for $20 dollars per member:

Civil Coverage Acknowledgement:

Covered Member acknowledges that this is not an insurance product. Covered Member understands that this is a services agreement, therefore, any monetary judgments or fines rendered against a member, who does not have a plan that includes civil liability coverage, is the responsibility of the Covered Member. If a Covered Member has a civil damage coverage plan, or if a Covered Member has added the coverage to a plan prior to the Recognized Self-Defense Use of Force Incident, only then will the Covered Member be covered for up to $1,000,000 if not outside of coverage restrictions.Civil Coverage and Limits of Liability:

A CIVIL LIABILITY POLICY PROVIDES COVERAGE ON A CLAIMS MADE AND REPORTED BASIS SUBJECTED TO THE LIMITS OF LIABILITY, TERMS AND CONDITIONS DETAILED HEREIN. THIS POLICY APPLIES ONLY TO ANY CLAIM FIRST MADE BY THE INSURED ON BEHALF OF A “COVERED MEMBER” AND REPORTED TO THE INSURER DURING THE POLICY PERIOD OR ANY EXTENDED REPORTING THAT MAY APPLY.

Named Insured: CCW Safe, LLC – through 2A Insurance Company

2A INSURANCE is a segregated account of MADISON FIRST PROPERTY AND CASUALTY, LTD SAC, a Segregated Accounts Company registered under the Segregated Accounts Companies Act of 2004. This transaction, which is the subject of this document, relates to segregated account 2A INSURANCE.

Damages – Each Claim Limit: $1,000,000

Damages – Aggregate: $1,000,000

Civil liability coverage stemming from a Recognized Self-Defense Use of Force Incident offers coverage of $1,000,000 per incident, and $1,000,000 in the aggregate. Litigation fees and expenses are separate from the $1,000,000 liability coverage. For example, your $1,000,000 in civil damages protection is not consumed by the fees and costs of litigation. In states where a criminal conviction occurs, and where you are found guilty of a crime, and the law precludes the assertion of self-defense as a viable defense in a civil case, then the extent of liability damages protection is $100,000 per incident and $100,000 in the aggregate.

THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED.  NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES.

Civil Defense & Liability, Supplementary Payments: 


With respect to any Recognized Self-Defense Use of Force Incident covered under this civil liability policy, CCW Safe shall pay for all costs of defense, subject to the limits of liability, which shall mean any costs incurred by you to:

Defend any suit against the Covered Member alleging such “Bodily Injury” or “Property Damage” and seeking “Damages” on account thereof, even if such suit is groundless, false, or fraudulent; but CCW Safe shall have the right to make such investigation of any claim or suit as may be deemed expedient by the CCW Safe, but CCW Safe will have no duty to defend the insured or member against any civil suit seeking damages for bodily injury or Property Damage to which this insurance does not apply. 


Under a civil liability policy, CCW Safe will pay all reasonable expenses incurred by the CCW Safe in the investigation of any Recognized Self-Defense Use of Force Incident prior to any criminal charge or civil proceeding being made against the Covered Member, including but not limited to:

Attorney consultation fee, retainer, and fees for attorney to accompany Covered Member and/or the “Resident Family Member” to all meetings and interviews with authorities; 


Defense costs; 


Expert witness or consultant fees;

Actual loss of Covered Member earnings up to $350 per day because of time off from work during the time of civil trial.

OTHER INSURANCE: 
If a Covered Member has another insurance product, or legal services membership plan, the CCW Safe, upon notification by the Covered Member, will respond and begin services. If the Covered Member has any plans, policies, or memberships that offer any financial assistance toward their defense, the CCW Safe will work with the Covered Member to obtain any applicable financial assistance in connection with their defense. If there are conflicting terms between these terms contained herein and other policies or other membership plans, CCW Safe will attempt to negotiate resolution of such conflict in the best interest of the member. In the event of a Recognized Self-Defense Use of Force Incident, CCW Safe will work with the Covered Member to determine any and all polices of coverage or membership plans that may be utilized for the Covered Member’s benefit. Covered Member agrees to transfer any subrogation rights or interests from any employer, agent, agency, or policy to CCW Safe. 


APPEALS: 
In the event the Covered Member or the insured’s other insurers elect not to appeal a judgement in excess of the other valid and collectible insurance limits, CCW Safe may elect to make such appeal at their cost and expense, and shall be liable for the taxable costs and disbursements and interest incidental thereto, but in no event shall the liability of CCW Safe for damages exceed the applicable limits of liability set forth in the notice of insurance issued to the respective Covered Member for any one “Occurrence” and in addition the cost an expense of such appeal. 


SUBROGATION: 
In as much as this policy is excess coverage, any insured’s right of recovery against any person or other entity cannot be exclusively subrogated to CCW Safe. It is, therefore, understood and agreed that in case of a payment hereunder, CCW Safe will act in concert with all other concerned interests (including the Covered Member), in the exercises of such rights of recovery. The apportioning of any amounts which may be so recovered shall follow the principle that any interests (including the Covered Member) that have paid an amount over and above any payment received hereunder, shall first be reimbursed up to the amount paid by them; CCW Safe shall then be reimbursed out of any balance then remaining up to the amount paid hereunder; lastly, the interests (including the Covered Member) of whom this coverage is in excess are entitled to claim the residue, if any. Expenses necessary to the recovery of any such amounts shall be apportioned between the concerned interests (including the Covered Member), in the ratio of their respective recoveries hereunder. 


Our terms of service can be found at https://ccwsafe.com/page/terms or under the Membership selection on the top menu bar.

The Dual Plan covers the Primary Covered Member and the Spouse/Domestic Partner who live under the same roof (by marraige or common law).  Each must have a valid CCW permit or license from one of the 50 states.  There is a Provisional exception for a spouse (legal husband or wife only) in which they can be covered without a permit in the home, car and any legal place you may posses a firearm without a permit.  Starting 11/15/17 the LE/Military servicemen will be able to add a spouse during the checkout process.  At this time a LE/Military couple you must join under the regular Dual Membership, which offers a discount very close to the price of purchasing 2 military/LE memberships.

This coverage is for OFF-Duty incidents where the member is not performing any security type functions for pay or volunteer services.  To qualify for the LE plan, you must be a commissioned peace officer, local, state or federal, with the full-time powers of arrest and the ability to carry a firearm under your commissioned status 24/7.  Those active officers are only covered for off-duty self-defense incidents in response to a life threatening attack.  Active officers must place the information of their agency state, name of agency and their commission/badge number in the space provided on the website for "permit/license and HR218" information.   

If retired LE, you must be able to show support documentation and be carrying under LEOSA or with a CCW permit. 

The following occupations DO NOT qualify for the plan and must join under the standard plan: EMTs, Firemen, Emergency workers that are not LE, Correction Officers (that are not under LEOSA), Security guards, Paid or Volunteer Security officers, Bond Agents, Body Guards, Firearms Instructors, or any other person that does not fall under the definition of "Qualified law enforcement officer" through federal LEOSA guidelines.

To qualify for the military plan, you must be active duty, retired after 20 years or medically retired from a service related injury and provide supporting documentation.  The requirements had to closely meet the requirements of law enforcement therefore veterans who are not active in service with less than 20-year retirement must join under the special code created in partnership with Larry Vickers.  In appreciation of all those who have served this country all veterans and those who were "Honorably Discharged" from services can join by using the code usavets upon checkout.  Supporting documents of honorable discharge shall be emailed to support@ccwsafe.com after joining.  Special thanks to our friend Larry Vickers and all the veterans that served this great country.  

Please scroll to the bottom of the front page and click the button to go through Larry Vicker's Special Link. 

Once you join CCW Safe, you will immediately be covered upon successful payment.  You will receive an email with a link to your new digital membership card. If you have a Spouse sharing your account, please add them by inviting them under My Account and My Membership with a separate email address (email addresses cannot be shared).  Your digital membership card can be added to your Apple or Google wallet on your phone, or you can print a copy out.  We do not send out plastic cards anymore.  We will send waterproof laminated cards by request only.  Send your request and how you want your name displayed to the Accounts Manager David Darter (david@ccwsafe.com) or by calling our support line at 855-639-2297 and leave a message for an Account Specialist.  We now have the metal membership cards for purchase at our store (CCW Safe Store ).  Your digital membership card has a scan code that will soon offer our members discounts and coupons for local gun ranges and go toward training classes.  You will need to "Opt In" to text and newsletter notifications to recieve the discounts and coupons, which can be changed under your account profile.  

Make note of the Emergency Number and save it to your contacts separately on your phone.  If the emergency number is not displayed on the front of the digital card you can find it by clicking the information icon "(i)" on the bottom corner of the digital membership card.  It will bring up a screen with our emergency call center number and you can dial by tapping on the number.  The emergency call center is available to our members 24 hours a day, and is ONLY to be used for emergencies.

Upon calling the emergency call center, you will immediately be patched through to an attorney who will advise you on what steps to take next, and will initiate the critical response team.  If there has been a shooting or deadly use of force, our critical response team will be activated and respond to your location.  Response times vary based on your location, however, in the past we have had boots on the ground within hours.  

Our members will also receive access to members only content on the site in the near future.   Please stay informed and engaged on our social media (Facebook, Youtube, etc.).  Weekly information is shared through our newsletter and is archived on the "News" section of our website.

All Ultimate Plan members are automatically enrolled in the "Ultimate Member Club" and shall receive a special package to include: 

Double Reward/Loyalty points and half price on metal cards.  Up to 2 challenge coins (with the emerncy number on them), 2 t-shirts, and two Crime & Place App subscriptions covered (depending on single or plan including Spouse).

You can print the "Terms of Service" at any time from the website.  

In the event of a critical self defense incident, you would call the CCW Safe emergency hotline number located on your digital card or your requested plastic card.  You would call this number, 1-800-508-0450, in a critical self-defense incident ONLY (a use of force involving death or injury, an arrest following threat of deadly force without injury,etc.).  If it is a non-emergency incident, please call 855-639-2297 (24/7).

 CCW Safe will charge $75 for false reports, “test” calls, and other abuses of the 24-hour hotline number. The 24-hour member hotline number is forwarded to multiple people, including multiple attorneys, investigators and administrative personnel. Abuses to the 24-hour member hotline can result in suspension of service.

After you login to your CCW Safe account, you will see your profile details under My Account on the top menu bar, and then selecting My Profile.  On your profile page you can update your personal information, your password, and you can opt in or out of our newsletter and text message notifications.  

Under My Account, you can view your subscription and your membership cards.

Under My Subscriptions, you can see your active subscription (automatic payment) information and expiration date.  

Under My Memberships, you can see your membership card and you can generate a link to be sent to your email in order to add to your Apple, Android, or Google Wallet, or to print a copy.  If you have any trouble, please contact one of our account specialists at the main office number (405-771-0705) or support@ccwsafe.com.  During business hours (M-F 8AM to 5PM CST) email is the fastest way to contact us.  Expect all after hours non-emeregency requests through email and voicemail to be answered the next business day. 

There are many things that can cause your membership payment to fail.  Your credit card may have expired, your billing address may not match the address where your credit card is registered to, you may have received a new chip card, you may have changed your subscription to on hold or cancelled, your bank may have put a hold on your card due to what they think may be fraudulent activity, etc…  Please keep your payment methods updated so that your automatic renewals will complete without a failure.  If there is not a valid payment method on file or the automatic renewal fails for one of the above reasons, we will email you about your payment failure. 

Yes, you can upgrade to the additional bond of up to $1 million at any time during your membership.  CCW Safe will give you a pro-rated refund from your original membership and assist in the upgrade process, if needed.  Contact our support department at support@ccwsafe.com if you choose to do this so that we can ensure the upgrade and the pro-rated refund is completed properly.