Personal Firearm Liability
Seaman’s Insurance Group is Florida’s Premier Boutique Independent Insurance Agency with access to a special Personal Firearm Liability insurance program.
The United States currently has a population of 307 million people. Based on data from the major firearm manufacturers, there were approximately 300 million firearms owned by Americans as of 2010. Of these, about 100 million were classified as handguns.
Data reviewed has shown that personal safety is the most common reason given for owning a firearm. But what happens if a law-abiding citizen is actually forced to use a gun to protect his/her self, a loved one, or their personal property? There will be an investigation – and potentially a criminal trial. Even a not guilty verdict will provide no guarantee that the “victim” or his/her family members won’t sue in civil court.
Firearms and Homeowners Insurance
Many homeowner policies specifically exclude firearm use – even in self defense – as a covered exposure, deeming it to be an intentional act. That leaves the gun owner personally liable for legal expenses, bail bond costs, and any judgments awarded through a civil action. This personal firearm liability insurance program is meant to help you when you use your personal firearm legally in self defense.
Active Shooter Incidents and Personal Firearm Liability Insurance
Recent events including widely publicized shootings in California, Colorado and Florida have made people even more interested in not only purchasing guns, training to use their guns in self defense but also concerned what might happen if gun owners must use their guns legally to defend themselves, others and their property even more. Law makers are considering a mandate that gun owners carry liability insurance. One proposed piece of legislation, known as the Firearms Risk Protection Act of 2013 (HR 1369), requires individuals to provide proof of coverage as a condition of purchasing a gun. Weapon sellers could be assessed a fine of up to $10,000 for failure to verify that the purchaser maintained the proper insurance. State-level legislative bodies are also considering similar laws.
Seaman’s Insurance Group has access to a Gun Liability Insurance (Personal Firearm Liability) program through Certain Underwriters at Lloyds of London. This Gun Liability program was developed to address firearm liability exposures. A variety of limit options are available to address your specific needs.
Personal Firearm Liability Coverage Options
- Criminal Defense – Legal Expense Reimbursement
- Criminal Defense – Attorney Fee, Bail Bond Cost Advance
- Civil Suit – Defense & Indemnity
- Firearm Theft – Civil Liability
- Psychological Support
- Compensation While in Court
- Tailored plans and pricing available for Groups