LEOSA 218 CCW Insurance Providers (Law Enforcement Officers Safety Act)

[BlackHawkPaul]

"LEOSA": "218" Insurance Providers- (Law Enforcement Officers Safety Act)
 
 
There are currently 3 providers of insurance covering "218" concealed carry. The links to these programs are listed below. In summary, the Professional Law Enforcement Association and the FOP/Hylant McLean programs sell legal defense insurance to provide lawyers for your criminal civil defense. Locktonrisk program of the NRA sells a combination insurance that provides both lawyers for criminal/civil defense and also pays damages up to stated amounts if you lose a suit. If you are an active duty officer and carry, you may be protected in some scenarios by "Good Samaritan" liability limitation laws. There are not yet any "Good Samaritan" Laws for "218" retirees.   
 
http://www.plea.net/HR218.htm
 
http://www.hylant.com/fop/hr218.htm
 
http://www.locktonrisk.com/nrains/selfdefense.asp
 
Many officers who carry as retirees or while off-duty under "218" are under the msitaken impression that their homeowners insurance policy or an extended "umbrella policy" will protect them for "218" CCW related acts. Such policies may indeed cover accidents, unintentional and negligent acts. However, such policies do NOT cover intentional acts of self-defense or intentional torts. Contact you  insurance carrier and ask pointed questions about scenarios in which you might intentionally use force to learn the difference. Accidents, negligence and unintentional acts might include accidental discharge, hunting accidents. Your insurance agent who wishes to keep your homeowners business may give you an ambiguous or encouraging answer to keep you as a customer. However, this insurance agent will not come to the police station to help you after you have shot someone in self-defense.
 
Lately, guns salesmen I am acquainted with have also advised that many "218" retirees seek to buy cheaper quality firearms that are not similar to what they carried while active. Further, many retirees advise these salesmen that although they have not shot in years they do not wish to take available refresher courses. Some of these cheapskates come back for the refresher courses after failing to pass the "218" qualification course. All LEO's have been afforded an honor and a privilege in 218. Spend a little time and money to make sure that you are covered! No legal advice is intended here and you must check with your own paid counsel to get real legal opinions. 
 

[Cyrille]

What is the status of business persons and/or privite citizens who have never been in law enforcement or the military who wish to ccw and it is legal to ccw in their state of residence?

[BlackHawkPaul]

LEOSA 218 is somewhat different that the citizen CCW. I see that you live in Louisiana so here is where you apply for a CCW permit-
http://www.lsp.org/handguns.html
Also not that Louisiana CCW permits have reciprocity as listed in the link.

Also, when you get your permit, look at the link to the NRA self-defense insurance policy coverage that you should then buy lsited in the original posting to this thread.

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