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TRD-Ferguson
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11:11a, 10/27/25
AG
My wife and I got our CHL permits several years ago and purchased the "insurance" at the end of the class. Ours comes up for renewal next month. Seems like it's a bit over $300 for the year.

Is it worth keeping this or are we better off establishing a relationship with a local attorney in the event we need to use our firearms? Are there other options we should consider. We're in our 70's if that makes any difference.
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powerbelly
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11:12a, 10/27/25
AG
No it isn't worth it, and read the fine print. It doesn't cover near what you think it does.

Find a good attorney who can represent you if needed.
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Max06
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11:22a, 10/27/25
AG
There are several companies out there with varying coverage and cost.

If you carry a gun daily, it's worth it IMHO. Cheap in comparison to civil & criminal expenses.

USCCA / Delta Defense, US Law Shield, and CCW Safe are the major players.
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Gunny456
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In reply to Max06 • 11:49a, 10/27/25
AG
This.
TAMU Wildlife & Fisheries Sciences
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GeorgiAg
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11:53a, 10/27/25
AG
With no insurance, try to keep the number of people you shoot to less than 5 a year.
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dr_boogs
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12:45p, 10/27/25
AG
Typical unhelpful Georgia-Ag drive by. Just put him on ignore.
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dr_boogs
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In reply to TRD-Ferguson • 12:46p, 10/27/25
AG
I fall somewhere between powerfully and max06. I don't think they are ALL useless, but some of them are, and only cover a certain amount and assign you a contracted attorney. IMO if you are in that situation you want to choose your own attorney and have a plan that covers the cost of that attorney all the way through the process.
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Jason_Roofer
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In reply to GeorgiAg • 12:56p, 10/27/25
GeorgiAg said:
With no insurance, try to keep the number of people you shoot to less than 5 a year.


I'm chock to the gills with insurance. I've been extorted far enough for "what if". If I need my weapon to potentially not die, I'll just pay the bill.

Personally, I don't think any of them are worth it. But everyone has different risk tolerances. My risk tolerance is pretty high when it comes to insurance. However, if you are the kind of person that doesn't mind giving away money in exchange for coverage in the infinitesimally small chance you'll need it for a personal defense CHL situation, then you should do that. It depends on a lot of factors that probably only you can answer.
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GeorgiAg
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In reply to Jason_Roofer • 1:09p, 10/27/25
AG
Jason_Roofer said:
GeorgiAg said:
With no insurance, try to keep the number of people you shoot to less than 5 a year.


I'm chock to the gills with insurance. I've been extorted far enough for "what if". If I need my weapon to potentially not die, I'll just pay the bill.

Kidding aside, as everyone knows, if you are in the right, the civil suit should fail. But we have an open court system so there is nothing stopping you from getting sued. Legal costs can add up quickly, and you may not be able to get the suit dismissed immediately.

If you're in the wrong and it was not a justified killing, I don't know if you could ever have enough insurance. Plus the criminal defense costs.

Have you looked into umbrella insurance? Probably more expensive but it covers a ton of other contingencies.
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TRD-Ferguson
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1:33p, 10/27/25
AG
Thanks everyone. Very helpful.

My wife laughed out loud at the "shoot less than 5 people a year" comment.
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agsalaska
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3:27p, 10/27/25
AG
I don't think it's worth it.
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Gunny456
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3:37p, 10/27/25
AG
We had a fellow rancher that did exotic hunts on his place. He opted out on getting good insurance to cover his liability exposure. They had an accident on the place. They were cleared from any criminal wrongdoing but had two civil suits filed and spent two solid years fighting for his life.
His life will never be the same because of the $$$$ of the judgement rendered and legal cost.
I protect myself with common sense protection weighed against the cost. All it takes is one time to come crashing down. Sadly, it's necessary evil.
TAMU Wildlife & Fisheries Sciences
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O.G.
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7:14a, 10/28/25
I attended a seminar once and an attorney spoke on this subject.

Long and short was, find a pro-2A attorney, with trial experience, ahead of time. I used to know one in BCS, former cop, but that was years ago. Now I've made a friend with an attorney in Ft. Worth, carries every day, has handled a number of shootiing cases, including the Waco biker case and one rapper that was involved in a shooting in Ft. Worth.
We discussed the rapper (not famous) at length and it actually sounded like it was pinned on him.

Do some research ahead of time, don't wait until after the emergency. I'm actually surprised more attorneys don't advertise as being pro-2A.
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Gunny456
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In reply to O.G. • 8:26a, 10/28/25
AG
Good post. And you have a point about the attorneys.
I know we have some good ones on TA and the OB. Maybe some of them could start soliciting Aggies for such.
TAMU Wildlife & Fisheries Sciences
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JSKolache
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10:30p, 10/28/25
AG
Skip it, it's a money grab
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HumbleAg04
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In reply to Gunny456 • 5:51a, 10/29/25
AG
Gunny456 said:
We had a fellow rancher that did exotic hunts on his place. He opted out on getting good insurance to cover his liability exposure. They had an accident on the place. They were cleared from any criminal wrongdoing but had two civil suits filed and spent two solid years fighting for his life.
His life will never be the same because of the $$$$ of the judgement rendered and legal cost.
I protect myself with common sense protection weighed against the cost. All it takes is one time to come crashing down. Sadly, it's necessary evil.


Did he not make his hunters sign liability waivers? Was this before the agtourism law passed in Texas? Won't stop a suit but will win the case.
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Gunny456
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In reply to HumbleAg04 • 10:30a, 10/29/25
AG
Our attorney explained to us that the Agtourism law is to protect a landowner on events or activities that the general public can attend for educational purposes and recreation. It does not apply to ranches that take pay for hunting.
He also had us do waivers but also said they are not worth much and only a basic line for limited liability.
To answer your question he did not have waivers signed and it was before 2015 when the Agtourism act was passed.
TAMU Wildlife & Fisheries Sciences
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Texarkanaag69
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In reply to TRD-Ferguson • 7:49p, 10/29/25
AG
TRD-Ferguson said:
My wife and I got our CHL permits several years ago and purchased the "insurance" at the end of the class. Ours comes up for renewal next month. Seems like it's a bit over $300 for the year.

Is it worth keeping this or are we better off establishing a relationship with a local attorney in the event we need to use our firearms? Are there other options we should consider. We're in our 70's if that makes any difference.

What coverage does the policy provide?
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Texarkanaag69
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In reply to Gunny456 • 8:03p, 10/29/25
AG
Gunny456 said:
We had a fellow rancher that did exotic hunts on his place. He opted out on getting good insurance to cover his liability exposure. They had an accident on the place. They were cleared from any criminal wrongdoing but had two civil suits filed and spent two solid years fighting for his life.
His life will never be the same because of the $$$$ of the judgement rendered and legal cost.
I protect myself with common sense protection weighed against the cost. All it takes is one time to come crashing down. Sadly, it's necessary evil.

Gunn is right. Regardless of the potential criminal charges, It's the potential civil liability damages, attorney fees, and other associated expenses that can ruin you.
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TRD-Ferguson
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In reply to Texarkanaag69 • 8:15p, 10/29/25
AG
It's US Law Shield. I'll have to read it and get back to you with more detail. What's excluded is most likely more important than what's covered.

The coverage amount is unlimited unless an act is excluded. 24/7 access to an attorney. It's their attorney though. I don't have a choice.

$350/year for a couple.
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Texarkanaag69
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In reply to TRD-Ferguson • 9:17p, 10/29/25
AG
TRD-Ferguson said:
It's US Law Shield. I'll have to read it and get back to you with more detail. What's excluded is most likely more important than what's covered.

The coverage amount is unlimited unless an act is excluded. 24/7 access to an attorney. It's their attorney though. I don't have a choice.

$350/year for a couple.

"The coverage amount is unlimited" So if you get nailed for $5mm they're gonna pay that judgment and your attorney fees? I'm skeptical about that. (Is there a provision that they'll REIMBURSE you for those damages after you've paid them?) If that truly is what your policy says, you've got a goldmine. Don't ever let it expire.
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TRD-Ferguson
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In reply to Texarkanaag69 • 7:03a, 10/30/25
AG
There is no civil liability coverage. Ugh! Attorney fees are covered but any judgment comes out of my pocket.
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Slicer97
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In reply to TRD-Ferguson • 11:26a, 10/30/25
AG
TRD-Ferguson said:
There is no civil liability coverage. Ugh! Attorney fees are covered but any judgment comes out of my pocket.

Then you need to make sure you're in Texas while staying under the 5 person bag limit.
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Texarkanaag69
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In reply to TRD-Ferguson • 7:39p, 10/30/25
AG
TRD-Ferguson said:
There is no civil liability coverage. Ugh! Attorney fees are covered but any judgment comes out of my pocket.

For you, me, and everybody please think before you pull the trigger 'cause once it's pulled that bullet ain't comin back. Take care and stay safe.
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chuckr70
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10:03a, 11/1/25
AG
If you are going to rely on a local attorney then only shoot people locally. Weak or poor insurance is probably better than no insurance. For a few hundred dollars you at least have some coverage and representation. Having someone respond quickly is important when you have been arrested. Just my thoughts.
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