CCW Safe Review (2025)
CCW Safe offers a suite of comprehensive insurance plans designed to safeguard concealed carriers, law enforcement officers, military personnel, and even those concerned with home and church security against the financial and legal burdens that may arise from self-defense incidents.
This review delves into the details of CCW Safe’s insurance plans, from the extensive coverage of the Ultimate Plan to the specialized offerings of the Home Defense and House of Worship Volunteer Security Plans, providing a clear guide to help you choose the protection that best fits your lifestyle and needs.
If you are looking for concealed carry insurance be sure to read our article where we compare all the top companies. We look at the benefits and prices and break it all down for you to make a smart choice. Find out who we chose for ourselves.
CCW Safe is great for concealed carry license holders, law enforcement, and military. They have also recently added a plan that covers people without licenses in constitutional carry states.
Just be sure that you are eligible for the package you choose.
- Upfront Unlimited Legal Defense Costs
- Large Variety of Coverage Options
- High Bond and Liability Limits
- For Cheapest Plan You Must Have CCW License
About CCW Safe
CCW Safe was founded by former law enforcement officers and legal experts who saw a significant gap in support for concealed carriers. The company was created to provide real legal defense, not just financial coverage, for gun owners involved in self-defense incidents.
Founded by Mike Darter, a former law enforcement officer, and Bert M. O’Malley, an experienced criminal defense attorney, CCW Safe’s mission is to offer comprehensive legal protection for concealed carriers. They recognized that traditional insurance wasn’t enough, so they created a service focused on covering attorney fees, expert witnesses, and all necessary legal costs upfront.
With a team of legal professionals and former officers, CCW Safe aims to give gun owners peace of mind, knowing they have the legal support they need if they ever have to defend themselves.
Overview of CCW Safe Plans
CCW Safe stands out with a lineup of insurance plans tailored to a wide array of needs, offering everything from criminal and civil defense cost coverage to substantial bond and civil liability coverage, ensuring that members are protected across various scenarios. Here’s a quick snapshot:
- Ultimate Plan: Priced at $519/year, this plan is the go-to for concealed carriers and their spouses, providing $1.5 million in bond and civil liability coverage and multi-state protection.
- Defender Plan: At $209/year, it’s designed for individuals with a concealed carry permit, offering $1 million in bond coverage with an option to include your spouse.
- HR-218 Plan: Tailored for active, retired, and former law enforcement officers at $399/year, it includes $1 million in bond and civil liability coverage, catering specifically to LEOs.
- Protector Plan: For $179/year, this plan supports active or honorably discharged military, law enforcement, firefighters, EMTs, and paramedics, providing $1 million in bond coverage with spouse inclusion available.
- Freedom Plan: The most comprehensive at $609/year, it’s for those in Constitutional Carry states, including $1.5 million in bond and civil liability coverage for you and your spouse.
- Constitutional Carry Plan: At $299/year, it’s aimed at residents in Constitutional Carry states without a permit, offering $1 million in bond coverage and specific state coverage.
- Home Defense Plan: Priced at $299/year, this plan focuses on in-home protection, offering $1 million in bond coverage.
- House of Worship Volunteer Security Plan: For $275/year, it provides volunteer security teams in houses of worship with $1 million in bond and civil liability coverage per member.
Each plan is designed with specific users in mind, from the everyday carrier to those serving in law enforcement or participating in volunteer security, ensuring that there’s a fit for nearly every type of gun owner.
CCW Safe Plan Prices
Here we break down the pricing for CCW Safe’s membership plans, helping you understand the costs and coverage options available. Whether you’re a civilian, law enforcement, or part of a security team, CCW Safe offers a variety of plans to fit your needs and budget.
Plan Name | Monthly Cost | Yearly Cost |
|---|---|---|
| Defender Plan | $19 | $209 |
| Protector Plan | $16 | $179 |
| Ultimate Plan | $47 | $519 |
| HR-218 Plan | $37 | $399 |
| Freedom Plan | $55 | $609 |
| Constitutional Carry | $27 | $299 |
| Home Defense | $27 | $299 |
| House of Worship | — | $275 |
prices accurate on date published
Each plan has its own eligibility requirements, so make sure to read through the details and confirm that you qualify for the plan you’re considering.
CCW Safe Plan Comparisons
CCW Safe offers a variety of plans tailored to different concealed carriers, from civilians to law enforcement, retirees, and even those focused on home defense or church security. Below is a breakdown of each plan, who it’s best for, and what it covers.
Defender Plan
Best for: Civilians with a concealed carry permit who want solid legal protection.
The Defender Plan is designed for responsible gun owners who carry daily for self-defense. It provides full legal defense for both criminal and civil cases, covering attorney fees, expert witnesses, and private investigators. Additionally, it includes up to $500,000 in bond coverage and 24/7 emergency response. However, this plan does not cover duty-related self-defense incidents, making it ideal for civilian carriers rather than law enforcement.
Protector Plan
Best for: Active or retired law enforcement officers.
Exclusively available to current and former law enforcement professionals, the Protector Plan offers comprehensive legal defense for both on-duty and off-duty self-defense incidents. It provides the same benefits as the Defender Plan but is tailored to meet the unique legal challenges faced by law enforcement officers.
Ultimate Plan
Best for: Those seeking maximum legal protection with no financial caps.
The Ultimate Plan is CCW Safe’s most extensive coverage option, offering unlimited attorney fees, expert witness coverage, private investigators, and the highest available bond protection. This plan is ideal for those who carry daily in high-risk environments or simply want the most comprehensive legal and financial defense available.
HR-218 Plan
Best for: Retired law enforcement officers carrying under the Law Enforcement Officers Safety Act (LEOSA).
The HR-218 Plan is specifically designed for retired officers who carry nationwide under LEOSA (HR-218). It provides legal defense for both criminal and civil cases, covering attorney fees, expert witnesses, and up to $1,000,000 in bond protection. This plan ensures that retired officers have legal support if they need to use force while carrying under HR-218.
Freedom Plan
Best for: Individuals and their spouses in constitutional carry states who do not have a permit.
The Freedom Plan is designed for those who carry legally without a permit in constitutional carry states. It covers both the member and their spouse for self-defense incidents in their home state and any other state where they can legally carry without a permit. The plan includes full legal defense for criminal, civil, and administrative cases, along with up to $1,500,000 in bond protection.
Constitutional Carry Plan
Best for: Individuals carrying in permitless (constitutional carry) states.
For those living in constitutional carry states and carrying without a permit, this plan provides legal defense for self-defense incidents. It includes full coverage for attorney fees, expert witnesses, and up to $1,000,000 in bond protection. This ensures that individuals who carry legally without a permit still have access to the legal defense they need.
Home Defense Plan
Best for: Individuals who do not carry outside the home but want protection for self-defense inside their residence.
The Home Defense Plan is tailored for those who do not carry concealed but want legal protection in case they need to use a firearm in self-defense at home. It covers criminal and civil defense, including attorney fees, expert witnesses, and up to $1,000,000 in bond protection. This plan ensures that homeowners are legally protected if they ever need to defend themselves inside their residence.
House of Worship Volunteer Security Plan
Best for: Volunteer security team members serving in houses of worship.
This plan is designed for churches and other places of worship with volunteer security teams. It offers legal defense for self-defense incidents that occur while members are performing security duties. Coverage includes up to $1,000,000 in bond protection and $1,000,000 in civil liability coverage per team member. This plan ensures that volunteer security members have legal support if they ever need to use force while protecting their congregation.
CCW Safe Pros and Cons
Exploring the pros and cons of CCW Safe coverage can help you make a more informed decision about whether their plans are the right fit for your needs. Let’s dive into some of the key advantages and considerations:
Pros
- Comprehensive Coverage: CCW Safe plans offer extensive coverage for both criminal and civil defense costs, ensuring you’re protected on all fronts if you ever need to defend yourself.
- Upfront Costs Covered: One of the standout features is the upfront coverage of all defense costs, which means you don’t have to worry about out-of-pocket expenses during a stressful legal battle.
- Multi-State Coverage: For those who travel, the multi-state coverage is a significant plus, offering peace of mind that you’re protected across state lines.
- High Bond and Liability Limits: The high bond and civil liability coverage limits are crucial in serious incidents, providing substantial financial backing.
- Specialized Plans: CCW Safe caters to a wide range of individuals, including law enforcement, military personnel, and volunteers at places of worship, ensuring that there’s a plan tailored to various lifestyles and needs.
- Spouse Inclusion Options: Several plans offer the option to include spouse coverage, which is a valuable addition for households where both partners are concealed carriers.
Cons
- Complexity of Choices: With a variety of plans available, selecting the right one can be overwhelming, especially for those new to concealed carry or legal insurance.
- Eligibility Requirements: Some plans have specific eligibility requirements, such as being an active or retired member of law enforcement or the military, which may limit options for the general public.
CCW Safe Vs Other Insurance Companies
One of the key things that sets CCW Safe apart from other concealed carry insurance providers is the wide range of plans they offer, each designed to suit different needs and backgrounds.
Whether you’re a civilian, retired law enforcement, or part of a church security team, CCW Safe has a plan tailored to your unique situation. This flexibility ensures that you get the right coverage for your lifestyle, with options that address everything from home defense to self-defense while carrying in a constitutional carry state.
While many competitors offer one-size-fits-all solutions, CCW Safe goes above and beyond by providing multiple plans that take into account your profession, risk level, and the way you carry. This variety gives members the ability to choose the level of protection that fits their specific circumstances.
If you’re considering concealed carry insurance, be sure to check out our comparison of top providers to see how CCW Safe’s diverse plans stack up against the rest.
Read: Best Concealed Carry Insurance Compared
CCW Safe FAQ
Q: What makes CCW Safe different from other concealed carry insurance providers?
A: CCW Safe stands out for its upfront coverage of all legal defense costs, high bond and civil liability coverage limits, and plans tailored to a wide range of individuals, including law enforcement and military personnel.
Q: Can I add my spouse to my plan?
A: Yes, many CCW Safe plans offer the option to include your spouse. Check specific plan details to see if spouse inclusion is available and what it covers.
Q: Is CCW Safe coverage valid across all states?
A: CCW Safe offers multi-state coverage, but it’s important to review your specific plan details as state-specific restrictions may apply.
Q: Are there any upfront costs I need to pay if I use my coverage?
A: No, one of the benefits of CCW Safe plans is that all criminal and civil defense costs are covered upfront, meaning you don’t have to pay out of pocket and wait for reimbursement.
Q: Does CCW Safe cover property damage or theft?
A: No, CCW Safe focuses on legal defense coverage. It does not cover physical property damage or theft.
Conclusion
CCW Safe is great for concealed carry license holders, law enforcement, and military. They have also recently added a plan that covers people without licenses in constitutional carry states.
Just be sure that you are eligible for the package you choose.
- Upfront Unlimited Legal Defense Costs
- Large Variety of Coverage Options
- High Bond and Liability Limits
- For Cheapest Plan You Must Have CCW License
CCW Safe offers comprehensive protection for concealed carriers, whether you’re law enforcement, military, or an armed citizen looking to safeguard yourself and your family. The biggest advantage is knowing your legal defense costs are covered upfront, along with substantial bond and liability coverage for a wide range of self-defense situations.
Choosing the right plan depends on your lifestyle, risk level, and budget. With options designed for different needs, there’s a plan for nearly everyone. If you carry, CCW Safe is worth considering. Smart carry means being prepared—read our article on the best concealed carry insurance compared to see how CCW Safe stacks up.
