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8 On-Target Concealed Carry Insurance Options (2022)

Best Concealed Carry Insurance Options (2024)

Eight major concealed carry insurance programs are now available to millions of Americans who carry concealed.

What are some of the concealed carry insurance organizations offering plans for responsible armed citizens?

According to a recent estimate by the Crime Prevention Research Center (CPRC), over 21.5 million Americans are now licensed to carry a firearm in the United States.

With that many and more legally licensed citizens — including those who keep guns strictly in the home for domestic protection, along with people who open carry or live in one of the dozen states that do not require licenses — the odds are increasing that someone will have to use their firearm to defend against a serious crime.

Arm Yourself With More Concealed Carry Knowledge

Realizing this possibility, at least eight organizations have recognized the need for some type of coverage plan for the armed citizen who might someday act in self-defense. Unlike television, stopping a villain with lethal force isn’t the end of the drama — it’s often just the beginning.

Stepping up to the plate with protection programs are the United States Concealed Carry Association, Armed Citizens Legal Defense Network, U.S. Law Shield, CCW Safe, Second Call Defense, Lockton Affinity Outdoor, Right To Bear and Firearms Legal Protection. Each has a slightly different approach to the challenge because in this game, there are problems and there are solutions.

The hard truth is that most armed citizens simply have no idea of the legal minefield they step into the second they press the trigger. As more than one of the people we interviewed explained, from that moment, your life is changed forever.

Learn More: 5 Things You Must Know About CCW Insurance

Even if no criminal charge is filed, because we live in a litigious society, there are attorneys just chomping at the bit to make life miserable for armed citizens in civil court. That’s the reality. Defending a life with a firearm can break people — it can destroy life savings, families and jobs.

What You Need To Look For In CCW Insurance

Whether home, auto or concealed carry, insurance policies cover only certain things. In turn, you need to take the time to consider exactly what each option offers and if it will fit the minimum you need to protect you after a righteous shooting.

While many concealed carry insurance policies cover several expenses you’ll possibly encounter (we’ll get to those shortly), there are coverage areas that are essential in a good plan.

Attorney Fees: This is the meat and potatoes of any CCW insurance plan and should be where you put most of your consideration. Criminal and civil defense doesn’t come cheap and if your case goes to trial you might find a bill that runs up to six figures. It is a good idea to review if a policy covers retainer, criminal defense and civil defense and damages.

Bail Bond: Whiling away in a jail cell is a miserable experience, and is detrimental. You need to earn a living, consult with your attorney and put your affairs in order. All of these are difficult to accomplish behind bars, which is why bail-bond coverage is typically part of a sound concealed carry insurance policy.

Coverage Across State Lines: Insurance laws differ from state to state, which can cause problems if you travel with your defensive firearm. If you tool around the country you must read the fine print of where each policy covers you.

Expert Resources: One of the best ways to protect yourself from the legal ramifications of a lethal-force event is to understand the law and your rights. Access to solid and well-researched resources on these topics and concealed carry training prove invaluable and make you a more proficient armed citizen.

Other Areas Of Concealed Carry Coverage

In many cases, CCW policies go well beyond legal expenses and cover some other aspects you might not have considered, but you’ll possibly be on the hook for:

  • Crime Scene Clean Up
  • Negligent Discharge
  • Spouse And Family Self-Defense
  • Property Damage
  • Firearms Replacement
  • Work Loss Coverage
  • Personal Use Of Firearm (non-defensive)

You’ll find there are other areas covered by some concealed carry insurance plans worth contemplating. Many of them fall within the policies themselves, however, some cost extra. Certainly, they’ll make a plan more expensive, but are heartening, given how quickly expenses can add up if you’re involved in a self-defense situation.

Policy Caps

Insurance, no matter what it covers, has caps. In short, there is a set amount of money it will cover, then you’re on the hook for the rest. This goes for any of the add-ons you might select for your plan, as well.

concealed carry Insurance - 3

Your budget dictates how much you can afford in a concealed carry insurance plan, but you want to make certain you don’t undercut yourself when it comes to coverage. On the surface, something along the lines of $250,000 coverage for attorney’s fees might sound solid, but could potentially shelter you from only a fraction of the total expense.

Concealed Carry Insurance Options

The United States Concealed Carry Association (USCCA)

Pros
One of the most established and largest – 660,000 paying members – concealed carry-focused associations in the country, United States Concealed Carry Association brings a lot of gravitas to the game. The company’s focus is what it calls its “Three Pillars”—mental, physical and legal preparedness. In turn, the company offers firearms and concealed carry training and resources with membership, as well as an insurance plan that many consider among the best available.

Cons
A deal-breaker for some, USCCA is geographically limited. While membership is available in most states, New York, New Jersey and Washington state residents are out of luck. Also, while not exactly a con, the Platinum and Elite plans cost more money than the entry-level Gold plan despite not offering any extra-legal services. The Gold plan already grants full access to USCCA’s self-defense liability insurance and all the benefits that it includes. The two more expensive plans merely grant access to USCCA’s CCW knowledge resources. If those options interest you, there’s nothing wrong with them, but be aware that if all you want is CCW insurance the Gold plan is all you need.

Membership
Gold Plan: $29 monthly/$299 annual; Platinum $39 monthly/$399 annual; Elite $49 monthly/$499 annual

Legal Resources

  • Self-defense liability insurance for defense expenses with no limits for covered self-defense incidents
  • $100,000 bail expense
  • $2,000,000 annual aggregate liability limit
  • $10,000 for any combination of “incidental expenses”
  • Up to $750 per day loss of earning coverage
  • You choose your criminal defense attorney
  • 24/7/365 access to Critical Response Team

Other Resources

  • Access to USCCA’s CCW-related knowledge resources.
  • Concealed Carry Magazine subscription

Armed Citizens Legal Defense

Pros
There are some weighty names from legal, self-defense and firearms areas at your disposal with the organization. In turn, you have some true firepower if you go to trial. Right off the bat, with Armed Citizens’ Legal Defense Network you get up to $25,000 for bail and $25,000 for an attorney, of your choice, for both criminal and civil cases. As legal proceedings go on, the network can provide more monetary support for criminal, civil, appeals and retrials. Furthermore, it’s an inexpensive organization to become a part of, $135 your first year and $95 per year after.

Cons
ACLDN is not an insurance plan – it’s a pre-paid legal service – so its coverage isn’t as extensive as many others. It doesn’t cover civil damages or compensation while you’re in court or firearm loss protection. Additionally, further monetary support, past the initial $25,000, goes through a review board before it’s awarded. And there’s no tiering to the program – it’s one-size-fits-all.

Membership

$135 Initial 1-year Membership; $95 1-year Renewal

Legal Resources

  • Up to $25,000 paid to the member’s attorney by the Network if the member has been involved in a self-defense incident
  • Further grants may be available
  • Up to $25,000 to post bail on behalf of a member who has used force in self-defense
  • Access to Network’s affiliate lawyers
  • Case review by network experts
  • Access to Network’s expert witnesses

Other Resources

  • Eight-DVD set of lectures explaining the use of deadly force for self-defense, the legal aftermath of using a gun in self-defense, and how attorneys prepare the court case defending one who used deadly force in self-defense.
  • Monthly journal

U.S. Law Shield

US Law Shield

Pros
What you get for the price of the plan is among the biggest selling points of U.S. Law Shield (originally known as Texas Law Shield). Essentially, there is no cap on the coverage of legal fees, both for criminal and civil proceedings. This is incredible peace of mind, given how quickly those expenses add up. For $10.95 monthly payments and $19.95 set-up fee, that’s a lot of coverage. No wonder the Texas-based program has some 700,000-plus members and keeps growing. Not the case at one point in its history, the plan is presently available in all states–except Washington, New Jersey and New York–as well as Washington DC and Puerto Rico.

Cons
First and foremost, you have to use an attorney from the network that they choose. This is potentially a turn-off for many, with good reason. In all likelihood, this will be the most important lawyer you’ll ever hire and you’ll have little say on who it is. The other issue, many of the coverage areas that come standard in other policies are add-ons, geographically limited, or unavailable. A good example, nationwide coverage costs another $2.95 a month, which may or may not make a difference to you.

Membership
Individual $10.95 monthly/$131.40 annual; Two Adults $21.90 monthly/$240 annual

Legal Resources

  • No cap on attorney fees criminal and civil
  • 24/7/365 access to Attorney-Answered Emergency Hotline
  • Non-emergency access to independent program attorneys
  • Option to purchase Bail Bond and Expert Witness add-on coverage

Other Resources

  • State-specific educational videos, law updates, and online resources

CCW Safe

Pros
No cap for criminal and civil legal defense, both covered up front, is the most eye-catching aspect of the CCW Safe plan. Up to $100,000 in bail bond protection doesn’t hurt either. These are generally the meat and potatoes of any concealed carry insurance program and this one has them in spades. In addition to that, the plan has up to $1 million of civil damage protection through its basic permit-holder plan. CCW Safe also offers a multitude of options, including policies for constitutional carry states, home defense and active and retired law enforcement. Note, the coverage differs from plan to plan, so read the fine print.

Cons
While the plans overall are among the most comprehensive, there are a few caveats. You can choose your attorney, however, they must be vetted by CCW Safe first – this may or may not be a con, depending on how you look at it. The constitutional carry plan only works in your state, so you’re naked once you cross the state line. And there are certain conditions CCW Safe spell out up front that will negate your policy, such as the use of force against a family member or someone in your residence with your permission. CCW Safe is also not available in New York, New Jersey or the state of Washington (except some NY LEOs).

Protector Plan

$179 annual

Eligibility
Retired/Active Military and Law Enforcement with a concealed carry permit

Legal Resources

  • Access to our 24-hour emergency hotline
  • Critical Response Team on site
  • $500,000 bail coverage
  • Vetting of Attorneys by National Trial Counsel
  • Unlimited Attorney fees covered upfront
  • Unlimited Investigators covered upfront
  • Unlimited Expert Witnesses covered upfront
  • All trial fees covered upfront
  • Firearm Replacement during trial
  • Spouse and children under 18 covered in home only
  • Up to $5,000 in red flag law defense
  • Up to $250 a day of work loss while in criminal or civil trial
  • Up to 10 sessions (up to $1,500) for a licensed counselor
  • Up to $3,000 for crime scene clean-up home
  • Appeals and expungements covered

Add Ons

  • Spouse $100
  • $1 million bail coverage $50
  • $1 million dedicated civil liability $220

Defender Plan

$209 annual

Eligibility
Valid Carry Permit

Legal Resources

  • Access to our 24-hour emergency hotline
  • $500,000 of bail coverage
  • Critical Response Team on site
  • Vetting of Attorneys by National Trial Counsel
  • Unlimited Attorney fees covered upfront
  • Unlimited Investigators covered upfront
  • Unlimited Expert Witnesses covered upfront
  • All Trial Costs covered upfront
  • Firearm Replacement during trial
  • Up to $5,000 in red flag law defense
  • Up to $250 a day work loss while in criminal or civil trial
  • Up to 10 sessions (up to $1,500) for a licensed counselor
  • Up to $3,000 for crime scene clean-up home
  • Appeals and expungement covered

Add Ons

  • Spouse $100
  • $1 million bail coverage $50
  • $1 million dedicated civil liability $220

Constitutional Carry

$299 annual

Eligibility
Constitutional Carry States

Legal Resources

  • Access to our 24-hour emergency hotline
  • $250,000 bail coverage
  • Attorney fees
  • Investigators fees
  • Experts
  • Appeals and Firearm Replacement during trial
  • Up to $250 a day work loss while in criminal or civil trial
  • Up to $5,000 in red flag law defense
  • Up to 10 sessions (up to $1,500) for a licensed counselor
  • Up to $3,000 for crime scene clean-up home

Add Ons

  • Spouse $100
  • $1 million bail coverage $50
  • $1 million dedicated civil liability $220

Home Defense

$299 annual

Eligibility
In-Home Coverage For You And Family

Legal Resources

  • Access to our 24-hour emergency hotline
  • Up to $250,000 in bail coverage
  • Unlimited Attorney fees covered upfront
  • Unlimited Investigators covered upfront
  • Unlimited Expert Witnesses covered upfront
  • Up to $5,000 in red flag defense
  • Appeals and Firearm Replacement during trial
  • Up to $250 a day work loss while in criminal or civil trial
  • Up to 10 sessions (up to $4k) for a licensed counselor
  • Up to $3k for crime scene clean-up home

Add Ons

  • Spouse $100
  • $1 million bail coverage $50
  • $1 million dedicated civil liability $220

HR218

$399 annual

Eligibility
Active, retired, and former law enforcement officers that meet the requirements for the Law Enforcement Officers Safety Act (LEOSA)

Legal Resources

  • Coverage for Criminal, Civil and Administrative Actions
  • Access to our 24-hour emergency hotline
  • Critical Response Team on site
  • $1 Million bail coverage
  • Vetting of Attorneys by National Trial Counsel
  • Unlimited Attorney fees covered up front
  • Unlimited Investigators covered upfront
  • Unlimited Expert Witnesses covered upfront
  • All trial fees covered up front
  • Firearm Replacement during trial
  • Up to $5,000 red flag defense
  • Spouse and children under 18 covered in home only
  • Up to $250 a day work loss while in criminal or civil trial
  • Up to 10 sessions (up to $4k) for a licensed counselor
  • Up to $3k for crime scene clean-up home
  • Appeals and expungements covered
  • Dedicated $1MM Civil Liability coverage

Second Call Defense

Second Call Defense

Pros
Of all the options, Second Call Defense perhaps offers the widest spectrum of tiering. You can get into their entry-level plan for $9.95 a month or choose their “Cadillac” plan for $34.95 per month. The top-tier plan is fairly comprehensive, offering $100,000 of coverage for criminal defense attorney fees and $1,000,000 for civil. Furthermore, in the top-end plan, you’re eligible for up to $250,000 in civil damage protection. You also get to choose your attorney.

Cons
The entry-level plan is pretty close to “better than nothing.” It only covers $10,000 of legal fees pertaining to a civil case against you and is very limited in its criminal defense – up to $100,000 toward your attorney fees, $2,000 for a retainer and $1,000 for bail bond. Is that worth $10 per month? You’ll have to decide that for yourself.

Basic

$9.95 monthly; $119 annual

Insurance Protection
Criminal Defense Protection – Up to $100,000
Civil Defense Protection (accidental shooting) – Up to $10,000

Financial Support

  • Immediate Cash for Bond – $10,000
  • Immediate Attorney Retainer – $2,000

Rapid Response Team

  • 24/7 Emergency Legal Hotline
  • Personal Crisis Manager
  • Nationwide Attorney Network Access
  • Local Attorney Referral within 24 hours
  • Emergency Contact Notification

Training & Education

  • Member Newsletter
  • Self Defense News

Add Ons
Spouse $48 annual

Defender

$14.95 monthly; $179 annual

Insurance Protection

  • Civil Suit Defense Protection – up to $500,000
  • Civil Suit Damages Protection – up to $50,000
  • Criminal Defense Protection – up to $100,000
  • Accidental Shooting Protection – up to $50,000

Financial Support

  • Immediate Cash for Bond – $50,000
  • Immediate Attorney Retainer – $5,000
  • Aftermath Cleanup – $1,000
  • Compensation While in Court – $250/day

Rapid Response Team

  • 24/7 Emergency Legal Hotline
  • Personal Crisis Manager
  • Nationwide Attorney Network Access
  • Local Attorney Referral within 24 hours
  • Emergency Contact Notification
  • Expert Witness Coordination
  • Gun Retrieval or Replacement
  • Psychological Support7 – 20 sessions
  • On-Site Assistance

Training & Education

  • Member Newsletter
  • Self Defense News
  • Online Training

Add Ons
Spouse $60

Ultimate

$34.95 monthly; $399 annual

Insurance Protection

  • Civil Suit Defense Protection – up to $1,000,000
  • Civil Suit Damages Protection – up to $250,000
  • Criminal Defense Protection – up to $100,000
  • Accidental Shooting Protection – up to $250,000

Financial Support

  • Immediate Cash for Bond – $250,000
  • Immediate Attorney Retainer – $10,000
  • Aftermath Cleanup – $2,000
  • Compensation While in Court – $500/day

Rapid Response Team

  • 24/7 Emergency Legal Hotline
  • Personal Crisis Manager
  • Nationwide Attorney Network Access
  • Local Attorney Referral within 24 hours
  • Emergency Contact Notification
  • Expert Witness Coordination
  • Gun Retrieval or Replacement
  • Psychological Support – 40 sessions
  • On-Site Assistance

Training & Education

  • Member Newsletter
  • Self Defense News
  • Online Training

Add Ons
Spouse $80 annual


FLP_Logo_Web-Header

Pros
A bit overshadowed by some of the larger players, Firearms Legal Protection nonetheless offers impressive coverage. Again, a tiered program, FLP allows armed citizens to choose a plan that best fits their budget and needs. And as far as entry-level options go, they offer an impressive one: uncapped attorney fees for civil and criminal defense for $16.95 a month. As you go up the ladder, the more expensive plans offer some of the total coverage many look for, such as firearm loss protection, compensation while in court and the choice of your attorney. Also, an interesting and timely twist, all FLP plans cover against Extreme Risk Protection Order, or “Red Flag” laws, accusations.

Cons
As far as entry-level concealed carry insurance is concerned, it’s only applicable to a self-defense event that happens in your state. You can get nationwide coverage, however, you’ll have to spend more. Also, it’s presently only available in 30 states, so Firearms Legal Protection is somewhat limited geographically.

Basic Individual

$16.95 monthly; $199 annual

Eligibility
Coverage for one person in their home state.

Legal Resources

  • Uncapped attorney fees for defense for criminal and civil cases
  • 24/7 emergency hotline
  • Extreme Risk Protection Order Coverage

Premium Individual

$27.95 monthly; $329 annual

Eligibility
Multi-State Coverage

Legal Resources

  • Uncapped attorney fees for defense for criminal and civil cases
  • 24/7 emergency hotline
  • Extreme Risk Protection Order Coverage
  • Bail bond protection up to $250,000
  • Expert witness/investigator fees
  • Lost wages reimbursement
  • Firearm confiscation payment
  • Incident scene clean-up fee
  • My FLP mobile app

Premium Family

$44.95 monthly; $539 annual

Eligibility
Multi-state comprehensive coverage for member, spouse and minor children

Legal Resources

  • Uncapped attorney fees for defense for criminal and civil cases
  • 24/7 emergency hotline
  • Extreme Risk Protection Order Coverage
  • Bail bond protection up to $250,000
  • Expert witness/investigator fees
  • Minor children coverage
  • Lost wages reimbursement
  • Firearm confiscation payment
  • Incident scene clean-up fee
  • My FLP mobile app

Right To Bear

right-to-bear-insurance

Pros
A new player to the game—as in just last year (2021)—Right to Bear has leaped into the CCW insurance game with booth feet. No surprise, the company is under JJE umbrella, the parent of Palmetto State Armory. Offering four levels of coverage, each multi-state (excluding New York, California and Washington), the company offers fairly comprehensive coverage with options for any budget and a fair selection of useful add-ons. Additionally, policy extras, such as psychological support, seem thoughtful.

Cons
Close attention has to be paid to how each policy pays out, given there are per incident and aggregate total limits. Accidental Discharge coverage is an additional expense.

Bronze

$10.95 moth/$115 annually

Insurance Protection
Civil/Criminal defense liability coverage up to $50,000
$25,000 per incident/$50,000 aggregate total

Add-Ons

  • Spousal Coverage $48
  • Compensation in Court $35
  • Bail Bond Reimbursement $75
  • Accidental Discharge $75

Silver

$20.95 monthly/$235 annually

Insurance Protection
Civil/Criminal defense liability coverage up to $500,000
$250,000 per incident, $500,000 aggregate total

Add-Ons

  • Spousal Coverage $60
  • Compensation in Court $35
  • Bail Bond Reimbursement $75
  • Accidental Discharge $75

Gold

$33.95 monthly/ $385 annually

Insurance Protection
Civil/Criminal defense liability coverage up to $1,000,000
$500,000 per incident, $1,000,000 aggregate total

Add-Ons

  • Spousal Coverage $80
  • Compensation in Court $35
  • Bail Bond Reimbursement $75
  • Accidental Discharge $75

Platinum

$50.95 monthly/ $595 annually

Insurance Protection
Civil/Criminal defense liability coverage up to $2,000,000
$1,000,000 per incident, $2,000,000 aggregate total

Add-Ons

  • Spousal Coverage $100
  • Compensation in Court $35
  • Bail Bond Reimbursement $75
  • Accidental Discharge $75

Included On All Policies

  • Multi-State Coverage
  • Psychological Support
  • Expert Witnesses

Lockton Affinity Outdoor Personal Firearm Liability Insurance

Lockton Affinity

Pros
Offered by a subgroup of the Armmlife company, this option is officially called Lockton Affinity Outdoor’s Personal Firearm Liability Insurance, and this is a true individual coverage plan. This makes it different than the majority of the companies on this list that instead offer memberships that gives access to insurance policies or prepaid legal defense. Advertised as coverage for responsible, smart and legal gun owners, Lockton’s different plans are easy to understand with four clear tiers offered depending on the coverage needed. Regardless of the plan chosen, they all will cover lawful personal defense instances, accidental discharges, hunting/shooting accidents and lost or stolen firearms.

Cons
As a true individual insurance policy, nothing else is offered alongside the coverage. While many of the other options on this list include coverage as well as various hotlines and legal/training resources, all Lockton offers is insurance.

Plan Limits With Annual Pricing

  • $75 Annual: $250,000 Combined single limit/$50,000 Defense reimbursement sublimit
  • $125 Annual: $500,000 Combined single limit/$100,000 Defense reimbursement sublimit
  • $175 Annual: $1,000,000 Combined single limit/$150,000 Defense reimbursement sublimit
  • $265 Annual: $1,500,000 Combined single limit/$250,000 Defense reimbursement sublimit

Conclusion

That, essentially, is what each of these self-defense insurance plans offers: an advocate rather than just a public defender who might, or might not, have a full grasp of self-defense, much less any sympathy for an armed citizen. It might come as no shock at all to many people, but not all attorneys sympathize with gun owners who fire in self-defense.

People can take their chances with a public defender, or they can rely on the experts associated with these concealed carry insurance membership programs. Clearly, a lot of thought went into each of these efforts, and the ultimate beneficiary is the armed citizen.



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Source link: https://gundigest.com/handguns/concealed-carry/best-concealed-carry-insurance by Gun Digest Editors at gundigest.com

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Gear

Hardware Talk: Dillon Wrench Rack Set

Hardware Talk: Dillon Wrench Rack Set
The Dillon wrench kit comes complete: All you have to do is assemble it onto your press. They are press-specific, so make sure you get the correct one.

Do you ever say to yourself you’ve had enough? More specifically, have you had enough with the litter of tools on your loading bench?

I have.

I’m regularly swapping toolheads to change calibers on my presses as I test this or that, trying something new or swapping calibers. I tried to keep the Allen wrenches for those adjustments in a plastic box, but they always ended up on the bench.

And then, where on the bench were they? Mumble … mumble … mutter.

I finally had enough, so when I saw the wrench rack from Dillon, I knew my 550 and 750 were each going to get a set. The rack is simple: It’s a heavy-gauge stamping that you bolt to the top back of your strong mount, behind your press. You don’t use a strong mount? We’re going to have to talk about that in the next issue.

Dillon has it all covered. You bolt the plate by means of the rear bolts on your press/strong mount setup. The kit comes with the Allen wrench sizes you need to work on your press, plus a die ring wrench as well. They all slide right into their reserved spots. And, just to make it even easier, Dillon includes a strip of label, with the sizes already printed on it, and they’re spaced to line up with the spot for each of them.

Dillon-Wrench-Rack
The Dillon wrench kit bolts into your strong mount, on the back of your Dillon press. Once there, it’s in easy reach to put each one back when done.

Hot tip: Install the label before you bolt on the plate to save yourself the stretching and reaching to get the label in place after you’ve bolted things together.

Wait, there’s more. The wrenches come with the angle to the short leg of each one pre-dipped in vinyl, so you have a good grip and can see the wrench clearly when you go to pluck it out of the rack. As an extra bonus, the working end is a ball-end wrench tip, so you can spin the wrench even when you approach the screw you’re tightening from an angle.

Of course, gear doesn’t come cheap. The kit runs $46 from Dillon.

“Ouch,” you say?

You can buy the wrenches for a buck each. Yes, you can. But then you’ll still have them scattered on your loading bench or in a box you have to find. Once you lose one or use it someplace else and leave it there, you’ll buy another. And another. You’ll end up with three, four or five sets of them scattered to the winds.

With the Dillon kit, you have a place for them. And the Dillon blue vinyl coating lets you know “This is a loading room wrench; I have to get it back there.”

I’m not saying you need to go full-on Marie Kondo on your loading room, bench and components storage, but keeping the tools that get things properly adjusted is a smart thing to do. And when you can make a change by simply grabbing the handy wrench and put it back right where it was, your loading process will be less distracted, more focused and more productive.

Editor’s Note: This article originally appeared in the April 2024 issue of Gun Digest the Magazine.


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Source link: https://gundigest.com/more/how-to/gunsmithing/dillon-wrench-rack by Patrick Sweeney at gundigest.com

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Gear

Practice Or Panic: Team Tactic Basics For Couples And Families

Practice Or Panic: Team Tactic Basics For Couples And Families

If you and your loved ones expect to keep cool in an emergency, you need to practice team tactics.

When most think of team tactics, they envision highly trained Delta Force operatives—or a SWAT team—breaching a door and conducting a dynamic entry. That’s a good example of team tactics in action … but few of us will ever participate in an activity like that.

However, that doesn’t mean you shouldn’t develop your team tactics. Well, unless you’re a hermit who has no friends and has moved to the mountains to live alone and write a manifesto. Most normal humans have other humans they often hang with, whether they’re their good friend, a spouse or children.

I’ve had some team tactics training. As a soldier, and back in my badge-wearing days, it was part of the curriculum. I’ve also attended a team tactics course at Gunsite Academy that focused on civilian teams, like a husband and a wife. Recently, I also did some work helping Benghazi survivor and master firearms instructor David “Boon” Benton, who was portrayed in the movie 13 Hours, train our local SWAT team.

Gunsite-course
You’ll learn tactical theory at a team tactics class, but most learning occurs during after action reviews following tactical simulations.

Regardless of the group or situation, there are two things that team operations—whether they involve a six- or two-man team—have in common: A tactically proficient and successful team must have a plan, and they must have good communication.

Determine Your Team

If you’re a loner, you’re your own team (and hopefully someday you’ll find another human who finds you moderately tolerable). For the rest of us who are at least semi-normal, we’ll have a good friend and/or a significant other with whom we’re commonly around. This is your team, and it might also include children.

training-vehicle-truck
A good civilian team tactics course will address common situations like you might experience around vehicles and in parking lots.

Each team member should also have a job. These jobs could be as simple as following your mother, calling 911 or holding on to the hands of your siblings. A job for a team member could be as simple as being armed and making sure an emergency first aid kit is present and accessible, and all team members should be responsible for not forgetting to have their cell phone with them.

This doesn’t have to be complicated. In fact, it’s best when kept simple and generic, and don’t put excessive responsibility on the backs of untrained or juvenile team members. However, every team member should know what the job of the other team members are. At a minimum, this tells them who to look to for guidance, and if capable, others know what each team member is responsible for and then they can assume that role if necessary.

training-home-house
A team tactics course isn’t a shooting course. It’s primarily a course to teach you and your partner how to work—stay alive—together.

In fact, establishing a team chain of command is important. If you’re identified as the team leader, but your wife and kids are out without you, generally your wife would assume that role. This means one of the kids—if capable and of a responsible age—can assume the duties of your wife. This goes a long way toward answering the question, “Dad’s not here. What now?”

Have A Plan

It’s impossible to develop a comprehensive plan for every situation that might develop. However, you can institute operating guidelines for common tasks that might occur. These are established tactical responses, predetermined to deal with things that have a high probability of happening.

Dealing with doors is a perfect example.

During one team tactics course, my partner and I were presented with various reality-based scenarios we had to react to. This was during force-on-force exercises where all the participants were armed with handguns that fired Simunitions. During the prior day while under the guidance of an instructor, my partner and I were given an opportunity to establish some operating guidelines: make a plan.

Gunsite-training
Don’t go to team tactics course planning to learn how to shoot or to run your gun. You need to know that before you get there.

One of our plans was how we’d deal with opening closed doors that led into the unknown. Just before the Simunition training began, I told my partner we should deal with every door just as we had decided during the previous day. This worked well and eliminated unnecessary communication and possible confusion. When we approached a closed door that we had to go through, each of us knew—without a word—what we were supposed to do.

This same concept can apply to a lot of situations.

Let’s say you want to establish a plan to tactically exit a location by vehicle. In this instance, you could identify the person who will drive, where each team member shall sit and how to access the vehicle depending on the direction of approach and even the direction of the potential threat. Sure, when the time comes to implement the plan there may be extenuating circumstances—the pre-identified driver might be injured—but you can plan for that as well: If team member A is injured, then team member C will drive.

injured-partner-training
What do you do if your partner gets hurt? You should have a plan for that.

If you have children, it’s very important to include them in these plans. It’s also important to dry run the plan to make sure everyone is on the same page. If you have an infant, who is going to carry him or her? It could be your wife or an older sibling. If you’re planning a response to a home invasion or burglar, the kids need to know what to do when the alarm sounds.

You should also always have at least one contingency; if you cannot do plan A, execute plan B. Similarly, you should also have a rendezvous point established outside the home, and you should also do the same for commonly trafficked locations such as malls or shopping centers.

team-tactics-instructor-critique
Instructors at a team tactics course not only evaluate your tactics, but they also critique and help you learn to communicate with your partner.

Communication

More than anything else, communication is the most important aspect of team tactics.

Let’s say, for example, you and your wife are engaged in a gunfight and you either need to reload, have a stoppage or maybe you dropped your gun. Your wife needs to know about this while it’s happening; she needs to know why you aren’t shooting or why you’re hiding behind the car. And she needs to be made aware of this without having to watch you or look to see what you’re doing.

team-tactics-corner
How will you and your partner handle a corner like this? You need to know beforehand, and that’s part of planning.

Screaming, “I’m reloading!” or “I’ve lost my gun!” takes too many words and might not be a good idea. Establish simple and direct communications for potential issues ahead of time. You could simply yell out, “Working!” and your wife would know you’re temporarily unavailable. To let her know the problem has been solved, your communication could be as simple as “Up!”

team-tactics-minimal-communication
You and your partner should know how to solve simple tactical problems with minimal communication.

Talking while shooting or while responding to a lethal encounter doesn’t come naturally. It’s something that needs to be practiced. Also, if you’re in a face-to-face encounter with a potential threat, having an action word that’ll key your partner in on an action you’re about to take is a good idea—kind of the opposite of a “safe” word, if you know what I mean. But in some situations, your communication can and should be non-verbal.

You should have hand signals that help convey actions or actives like to cover or watch, to move or maybe even run. Similarly, you should be able to convey the direction you want to move or the location of a potential threat. Think these communications through, keep them as simple as possible and limit them to the obvious. This isn’t a time to establish a new and comprehensive sign language; you simply want to be able to convey highly probable observations or instructions without words, as clearly and quickly as possible.

AR-15-training
Team tactics should be developed with your partner and include the weapon systems you’ll be using.

Go To School

The best way (of course) to learn team tactics is to take a class from a reputable school. But keep in mind that most team tactics courses aren’t shooting courses: Don’t expect to attend a team tactics class to learn how to shoot. In fact, many schools offering team tactics training have a training prerequisite so that they know you can shoot and handle a firearm safely before they’ll let you in the class. Yeah, you’ll do some shooting in a team tactics class, but you won’t learn to shoot in a team tactics class.

training-reload
Gun-handling skills should be learned before attending a team tactics course.

This might seem overly stringent, but it makes perfect sense. It takes about five, 8-hour days of training to go from a non-shooter to someone who is safe and reasonably competent with a defensive handgun. A basic team tactics course should be, at a minimum, 2 to 3 days long … and ideally 5 days. To learn to shoot and to learn team tactics could consume 2 weeks, and most of us can’t take 2 weeks off from life to do that. It’s just like with any other firearms discipline—you learn to shoot and then you learn the tactics.

Editor’s Note: This article originally appeared in the April 2024 issue of Gun Digest the Magazine.


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Source link: https://gundigest.com/more/how-to/firearm-training/team-tactics by Richard A. Mann at gundigest.com

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Gear

New Guns And Gear March 2024

New Guns And Gear March 2024

Looking for a new iron or piece of kit to enhance the one you already own? Check out these 7 new bits of guns and gear to grow your firearms wish list.

The New Guns And Gear:

WOOX Titano

woox
Heirloom looks with state-of-the-art performance, the WOOX Titano stands out in competition stocks. Tailored for Benchrest and F-Class shooters, the stock boasts a stunning American walnut stock and an aircraft-grade aluminum chassis. With a 3-inch fore and wide barrel channel supporting up to 1.20-inch diameter barrels, it accommodates large fire tubes common to comp rifles. Furthermore, WOOX’s Suspense weight system allows you to precisely balance the system with six 2.5-ounce weights. The buttstock is fully adjustable for both the length of pull and cheek rise. Other notables include a smooth-bottom bag rider butt and Integrated thumb rests to enhance grip comfort.
MSRP: $999


Taylor’s & Company 1875 Outlaw Revolver

Taylors 1875
A collaboration with Uberti, Taylor’s & Company offers up a faithful reproduction of a classic Remington single-action, but with a modern twist—it’s chambered for 9mm. While no Old West outlaws pitch Parabellum, the modernization effort makes it easier on contemporary cowboys’ pocketbooks. Available in 7.5- and 5.5-inch barrel lengths, the 1875 Outlaw features smooth walnut grips, a forged blued steel frame, a rear frame notch and a fixed front blade sight. Also, the webbed ejector rod helps the wheelgun cut an unmistakable profile. It’s enough to make Frank James envious.
MSRP: $698


StopBox Chamber Lock

chamber lock
New or old, it’s wise to stop the unauthorized use of a firearm. That’s where the Chamber Lock comes into play. At once, it keeps a firearm safe, yet at hand. Construct-ed from Type II hard-anodized 6061-T6 aluminum, it features a patented mechanical hand gesture code lock, ensuring intuitive use even in low-light or high-stress situations. The lock offers six configurable combinations, expandable to 16 with the Actuator Accessory Pack, although preset combinations are recommended for optimal security. Compatible with most AR-15s and shotguns.
MSRP: $150


MTM Case-Gard Bull Rifle Rest

MTM rifle rest
Dialing in a rifle is the key to a solid shooting platform. MTM Case-Gard provides just this with its affordable Bull Rifle Rest. With an adjustable length between 18.3 and 26 inches, it accommodates nearly any long-gun you shoulder. Additionally, the lightweight rest features slip-free rubber feet and a wide stance, for a wobble-free shooting base. And front elevation adjustments are easily made on the rest, thanks to a screw system allowing you to get a rifle or shotgun situated just right.
MSRP: $43


Mission First Tactical Leather Hybrid Holsters

MFT holster
What a looker! Too bad it’s meant to be kept under wraps. This Kydex and leather gem offers exact tolerances, secure retention and easy re-holstering. Plus, the hanger requires no break-in time compared to its traditional leather cousins. Versatile for AIWB, IWB or OWB use, it accommodates right- and left-hand positioning. Additionally, the American-made hybrids are red-dot compatible and have an audible “CLICK” when you re-holster.
MSRP: $70


Ruger Diamond Anniversary Limited Edition SR1911 Pistol

Ruger Diamond 1911
In celebration of its 75th year, Sturm, Ruger & Company presents its limited-edition 75th Anniversary Ruger SR1911. This iconic pistol features a finely detailed, laser-engraved slide and custom grip panels with intricate scrollwork. Ruger’s CNC-controlled machining ensures precision, while the classic 1911 fire control and positive barrel lockup enhance accuracy. You’ll have to act fast on these beauties, only 750 units are being produced in 2024, and each pistol bears the special R75 serial number prefix and ships in a marked case with two stainless-steel magazines.
MSRP: $1,800


Federal Premium Hydra-Shok Deep .32 Auto

Federal 32 Auto
In the day and age of deep carry, good ol’ .32 ACP is making a bit of a comeback. Federal Premium is supporting its renaissance with the introduction of Hydra-Shok Deep in the pocket caliber. Rigorous testing and stringent manufacturing processes ensure superb accuracy and consistent ballistic performance of this ammo. Furthermore, the notched copper jacket of the Hydra-Shok bullet ensures consistent controlled expansion and adequate stopping power trigger pull in and out.
MSRP: $35, box of 20

Editor’s Note: This article originally appeared in the March 2024 issue of Gun Digest the Magazine.


Get More Guns And Gear:

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Next Step: Get your FREE Printable Target Pack

Enhance your shooting precision with our 62 MOA Targets, perfect for rifles and handguns. Crafted in collaboration with Storm Tactical for accuracy and versatility.

Subscribe to the Gun Digest email newsletter and get your downloadable target pack sent straight to your inbox. Stay updated with the latest firearms info in the industry.

Source link: https://gundigest.com/gear-ammo/guns-and-gear-march-2024 by Gun Digest Editors at gundigest.com

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