Lawful Personal Defense Insurance

Discover the only lawful
personal defense insurance you need.

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ONE POLICY.

Four essential areas of coverage.

Lockton Affinity’s Personal Firearms Liability Insurance offers lawful personal defense coverage, plus three additional areas of coverage to fully protect responsible gun owners like you.

LAWFUL PERSONAL
DEFENSE


Should you ever need to lawfully use a legally possessed firearm to defend yourself with reasonable use of force, Personal Firearms Liability Insurance will protect against the costs associated with a claim—on a reimbursement basis—once all charges are dropped, or you are acquitted of all charges, up to applicable policy limits.

LOST OR STOLEN
FIREARM LIABILITY


Preventing theft and keeping firearms away from those who should not have them is part of responsible gun ownership. Even lawful gun owners who store their firearms securely and lend them carefully can be held legally responsible for what is done with the firearm after it is lost, lent or stolen.

If your legally possessed firearm is lost or stolen and an incident occurs, Personal Firearms Liability Insurance will protect against the costs associated with claims.

ACCIDENTAL DISCHARGE
COVERAGE


Accidental discharge can occur when the firearm suffers from mechanical malfunction, when the firearm is dropped, when ammunition is left unknowingly in the chamber of the firearm, when the firearm is cleaned and more. Even the most experienced, safety-focused gun owners can experience accidental discharge incidents.

With Personal Firearms Liability Insurance, lawful gun owners are protected against the costs associated with an accidental discharge claim.

HUNTING AND SHOOTING
ACCIDENT LIABILITY


The crisp, early morning air, the thrill of the wait, the challenge of getting the right shot. Unfortunately, perfect hunts can be ruined with incidents of accidental discharge, misfires and more. Even if you prefer shooting sports like trap shooting, running targets or pistol shooting, there are risks involved.

Should an incident occur while you are hunting or participating in shooting sports, Personal Firearms Liability Insurance protects against the costs associated with a claim.

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LIMIT OPTIONS

Personal Firearms Liability Insurance limit options and costs:

$250,000 Combined single limit

$50,000 Defense
reimbursement sublimit

$75/PER YEAR 

$500,000 Combined single limit

$100,000 Defense
reimbursement sublimit

$125/PER YEAR 

$1 MILLION Combined single limit

$150,000 Defense
reimbursement sublimit

$175/PER YEAR 

$1.5 MILLION Combined single limit

$250,000 Defense
reimbursement sublimit

$265/PER YEAR 

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Curious what a policy would look like for you?

Select your state to see a sample policy.

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CONTACT US

If you have any questions about obtaining or servicing your
insurance, please give us a call or complete this form.

(844) 401-9444
Phones are answered Monday – Friday, 7 AM to 5:30 PM (CST).



Not available in all states including NJ, NY and WA