Gun Owner’s Liability

Why Gun Owner’s Liability Coverage?

Civil Liability

Even for justifiable acts of self defense, a claim for monetary damages can be made against you by your assailant or your assailants’ family member.  Civil liability claims are not costly for a perpetrator to make, even if they are without merit.  All the perpetrator needs is an attorney willing to take his case in hopes of recovering damages from you.  The cost of defending yourself against these claims can be financially devastating.  A policy can provide legal defense coverage to vigorously defend you against these unwanted claims.   In addition, subject to your limit of liability, it can pay damages on your behalf that you become legally obligated to pay as a result of your use of a firearm in an act of self defense.

Criminal Defense Reimbursement

Just because you think your use of a  firearm in an act of self defense was justifiable, doesn’t mean the District Attorney will agree with you.  Overzealous prosecutors can bring criminal charges against you.  Protecting your freedom is costly and time consuming.  A Gun Owner’s Liability policy provides you with Criminal Defense Reimbursement benefits if you are criminally charged and subsequently acquitted of criminal charges related to your use of a firearm in a legal act of self defense.

Personal Liability

Policies also provide protection for your personally liability arising out of your use of a firearm while hunting on public or private lands,  shooting at organized competitions, or recreational use at hunt clubs, gun clubs or supervised use at commercial or private ranges. If you are using air rifles for hunting, make sure that you find out the policies of each club.

Don’t get caught on the wrong side of the law without this valuable protection. Give Purdum Gray Ingledue Beck a call today to learn more about Gun Owner’s Liability Coverage (309.833.1755)!