NRA Endorses 'Stand Your Ground' Insurance to Cover Legal Costs

| by Michael Allen

Editorial cartoonist Matt Bors recently mocked a National Rifle Association (NRA) endorsed program (below) that offers insurance to cover legal fees should a policy holder be accused of shooting someone in self-defense.

The insurance, which is administered by Lockton Affinity exclusively for NRA members, is available as a rider to their “excess personal liability” plan.

According to Lockton Affinity's web site, here is what is covered:

• Provides coverage up to the limit selected for criminal and civil defense costs.  

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• Cost of civil suit defense is provided in addition to the limit of liability for bodily injury and property damage.  

• Criminal Defense Reimbursement is provided for alleged criminal actions involving self-defense when you are acquitted of such criminal charges or the charges are dropped.

The basic liability plan costs either $47 or $67 annually, for coverage up to $100,000 or $250,000. A policy holder can add the self-defense insurance by paying $118 or $165 for the lesser coverage, or between $187 and $254 for a larger plan.