NRA Carry Guard

2017-2019

Training courses
– Navy SEALs Jack Carr and Eric Frohardt

NRA Carry Guard
PO Box 410679
Kansas City, MO 64141-0679

1-866-NRA-5050

nracarryguard.com

About NRA Carry Guard

NRA Carry Guard was a National Rifle Association program for concealed carriers that combined self-defense liability insurance with a branded training curriculum. The NRA unveiled it at its 2017 annual meeting. The insurance offered up to $150,000 in criminal defense reimbursement and up to $1 million in civil liability protection; it was underwritten by Chubb’s Illinois Union Insurance Company and marketed and administered by Lockton Affinity. The training side was designed to teach armed citizens how to handle modern threats.

The program quickly ran into state regulators. New York’s Department of Financial Services (DFS) found that the policies covered criminal defense costs tied to the intentional use of a firearm, which New York law does not allow to be insured, and that the NRA had marketed insurance without a required license. In May 2018, DFS fined Chubb’s unit $1.3 million and Lockton $7 million, and both companies withdrew from NRA-branded insurance. Washington State and California also found violations. In November 2020, the NRA agreed to a $2.5 million civil penalty and a five-year bar on marketing insurance in New York. The episode is a useful case study for gun owners comparing self-defense legal plans, since coverage rules vary widely from state to state.

Key Facts

Spring 2017: Carry Guard sales begin nationwide around April 1; program unveiled at the NRA annual meeting
April-November 2017: About 680 policies issued to New York residents
May 2018: New York DFS fines Chubb’s Illinois Union $1.3 million and Lockton $7 million
November 18, 2020: NRA agrees to a $2.5 million penalty and five-year New York insurance marketing ban

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Sources

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