NRA Carry Guard Insurance
Frequently Asked Questions

1. What is NRA Carry Guard?
   The NRA Carry Guard Membership is the most complete product available for those who carry firearms. In addition to NRA Training and Education resources, it includes insurance protection for certain losses resulting from an act of self-defense while using a legally processed firearm.
    
2. What are the benefits of the NRA Carry Guard insurance coverage?
   The NRA Carry Guard insurance coverage provides civil and criminal liability protection, civil defense legal fees, spousal protection, family member coverage for residential incidents and immediate access to legal advice. It also includes supplementary payments for bail, criminal defense legal retainer fees, lawful firearms replacement, compensation while in court, psychological support, and clean-up costs for any covered claim resulting from the use of a legally possessed firearm—including an act of self-defense. All benefits are insured.
    
3. Why do I need insurance if I use my gun in self-defense?
   Although you may legally use your firearm in self-defense, many homeowners’ policies have limitations or exclusions related to intentional acts, such as self-defense. There are also many unexpected procedures and costs associated with proving you acted in self-defense. From access to attorneys to the cost of proving your case, Carry Guard insurance provides a safety net should you ever have to use your firearm in self-defense.
   
    
4. Are different Membership levels available?
   Yes, NRA Carry Guard offers three levels of membership with three tiers of insurance coverage. The cost of membership can be paid annually or monthly.
   
   Gold ($359.95 annually or $31.95 monthly) - $1,000,000 of civil protection with $150,000 in criminal defense costs reimbursed after acquittal or dismissal, with up to 20% of the criminal defense costs limit available as Supplementary Payments for expenses such as bail and legal retainers.
   Silver ($254.95 annually or $21.95 monthly) - $500,000 of civil protection with $100,000 in criminal defense costs reimbursed after acquittal or dismissal, with up to 20% of the criminal defense costs limit available as Supplementary Payments for expenses such as bail and legal retainers.
   Bronze ($154.95 annually or $13.95 monthly) - $250,000 of civil protection with $50,000 in criminal defense reimbursed after acquittal or dismissal, with up to 20% of the criminal defense costs limit available as Supplementary Payments for expenses such as bail and legal retainers.
    
5. Is this a group or individual policy?
   The membership is endorsed by NRA, but each NRA Carry Guard Member selects a membership level and receives insurance protection individually.
    
6. I have coverage through another provider; can I buy now and have my policy go into effect at a specific time in the future?
   Yes, you can have your coverage put into effect up to 6 months in the future by enrolling today. If your other membership is past that timeframe, we can take your information and remind you when we get closer to your renewal.
    
7. When does my coverage start?
   By joining today, your membership and insurance protection can start as soon as tomorrow.
    
8. Are my spouse and family members included on the policy?
   Spouses are automatically covered at no additional cost. Resident family members are also covered for acts of self-defense that occur in your residence.
    
9. Who underwrites the policy?
   Policies are administered by Lockton Affinity and insured by Chubb®. Chubb® carries an AM Best financial rating of A+ XV and is the world’s largest publicly traded property and casualty insurance company. Lockton is the world’s largest privately held insurance broker.
    
10. What happens when I have a claim?
    Your NRA Carry Guard membership card and policy will provide specific instructions. Basically, your first call should be to 911 to immediately report the incident. After that, there is a phone number provided for 24/7 access to prompt legal assistance. Your claim will be reported to the insurance carrier so your insurance protection can begin immediately.
     
11. How soon can I expect to receive claim payments from the insurance company?
    You’ll have immediate access to Supplementary Payments for bail money, attorney retainer fees, lawful replacement of your firearm, clean-up cost for your primary residence, loss of earning while in court and psychological support. Up to 20% of the Criminal Liability Reimbursement limit for your selected membership level is available. For example, a Gold Membership provides a $150,000 Criminal Liability Reimbursement Limit, so you would have up to $30,000 available for the Supplementary Payments.
    
    If criminal charges are brought against you, the Criminal Defense Costs sublimit will reimburse you for any expenses related to your criminal defense if you are acquitted. Civil Liability protection will take care of the expenses related to your civil defense and certain damages you may incur. Coverage for civil damages is subject to the limit of insurance as determined by your membership level. The legal costs associated with defending you against any civil suit are in addition to the policy limit.
     
12. What’s the difference between Criminal Liability and Civil Liability?
    A criminal case is a charge by the government that you broke the law. You may be subject to imprisonment and fines if convicted. A civil case is an action by an alleged victim, usually seeking money from the defendant. A civil case can be filed even if there are no criminal charges. Either type of case might arise from the use of a firearm.
     
13. Is the Criminal Liability on a reimbursement basis?
    Yes, payment of Criminal Defense Costs is on a reimbursement basis. State laws prohibit insurance companies from covering their policy holders’ criminal acts. Once charges against you are dropped or you are found not guilty, NRA Carry Guard protection will reimburse your criminal defense costs up to the sublimit provided by your membership level, less any Supplementary Payments made.
     
14. How does NRA Carry Guard compare to other similar programs?
    NRA Carry Guard is the only membership program endorsed by the NRA and includes NRA Training and Education. This is the premier product available on the market and is insured by Chubb, the largest publicly traded property and casualty insurance company in the world. We encourage you to compare the following highlights of membership to other plans:
    
    
    • Each Carry Guard Member has his or her own insurance limit. Other plans may have a shared limit among all members.
    • Spouses are automatically covered at no additional cost.
    • Residential family members are covered for acts of self-defense in the home at no additional cost.
    • Civil defense legal fees are in addition to the insurance limit for each membership level.
    • All NRA Carry Guard benefits are fully insured. Other plans may utilize a committee to determine whether benefits apply.
    • Carry Guard members have immediate access to Supplementary Payments of up to 20%of the Criminal Defense Costs limit including:
    • Attorney consultation and retainer fees
    • Bail Money
    • Member loss of earning up to $250 per day
    • Replacement of legally possessed firearm
    • Clean up costs for members residence
    • Psychological support counseling
    • Carry Guard provides access to legal assistance as well as the ability to select your own counsel.
    • Carry Guard membership provides access to exclusive NRA Training and Education Programs.
     
15. What do I do after I am involved in a self-defense incident?
    In the event of an emergency, immediately call 911. After that, call the phone number that has been provided for 24/7 access for prompt legal assistance.
     
16. What is the administrative fee?
    The administrative fee is charged to cover costs associated with the processing and maintenance of your membership.
     
17. Can you help me with my NRA membership while we’re on the line?
    Unfortunately, I cannot assist with your NRA membership. The Carry Guard membership is separate from your NRA membership, but I can transfer you to someone that can help you or you can call 1-877-672-2000.
     
18. What is the Carry Guard Self Defense Expo?
    The expo will be held in Milwaukee, Wisconsin on August 25-27, 2017. The expo will feature conceal carry and self-defense seminars along with an exhibit hall of the latest guns and gear from major manufacturers.
     
19. What is Carry Guard Magazine?
    The first will go out in September 2017. The magazine will then be distributed bimonthly in 2018 for a total of 6 issues.
     

NOTE: Please refer to the insurance policy for the actual terms and conditions. Exclusions apply.