Gun Insurance is Dead; Long live Gun Insurance

The agent Lockton and the underwriter Chubb have announced that they would cut dies with the NRA.  This may effectively end their Carry Guard insurance program, which is the insurance dubbed “murder insurance” by gun safety advocates.  This has happened less than two weeks after the tragic shooting in Parkland, Florida and illustrates the rate that changes can occur in a charged are such as gun safety.  Organizations Guns Down with Travon Martin’s mother Sybrina Fulton and Color of Change worked to bring this about.  When the time was ripe their efforts took effect.  Unfortunately, other organizations are currently selling insurance and quasi-insurance products of this type which are designed to protect gun users for legal responsibility for mistaken or over-zealous shootings claimed to be in self-defense.

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Is Self-Defense Insurance Legal in California?

The National Rifle Association (NRA) and several other companies or organizations sell or sponsor the sale of insurance to defend and indemnify gun owners from liability in self defense situations.  They do this on a nationwide basis and promise protection in a wide range of situations where the purpose of the gun use is to defend ones person or property.  The point of this insurance is to have no restriction against covering self-defense as an intentional or willful act.  The question raised in this post is: How can this be possible under California’s Insurance Code?

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