Author: Mark Schneider

I am a certified firearms instructor and use-of-force expert with extensive real-world experience in firearms, security, and defensive tactics.Credentials & Experience:20+ years of owning, collecting, and shooting firearms.12+ years in the security industry, including physical security, executive protection, workplace violence prevention, loss prevention, CCTV operations, access control, incident management, and threat assessment.Denver Police Verified Concealed Handgun Permit (CHP) Instructor.Authorized Trainer for Denver Security Guard Training.NRA Certified Firearms Instructor – Pistol, Concealed Carry Weapon (CCW), Rifle, Shotgun, Inside the Home (ITH), Outside the Home (OTH), Range Training & Basic Verification (RTBV), Chief Range Safety Officer (CRSO).USCCA Certified Firearms Instructor – Concealed Carry & Home Defense Fundamentals (CCHDF).Force Science Institute Certified – Use-of-Force Analysis.De-escalation Certified Instructor.Massad Ayoob MAG-40 Graduate.Sig Sauer Academy Graduate – Pistol 103 & Pistol 104.Law of Self Defense – Instructor Program Graduate.Dave Grossman Academy – Completed The Bullet Proof Mind, On Combat, and On Killing courses.Axon Taser Certified Instructor.OC/Pepper Spray Certified Instructor.PPCT Defensive Tactics Certified Instructor.Glock Armorer.Novice Gunsmith.Licensed Insurance Producer.HAM Radio Operator.8+ years as a teacher and instructor in firearms, self-defense, and related disciplines.
Self Defense Insurance

What Is Self-Defense Insurance? Legal Protection for Responsible Gun Owners

Mark Schneider

Self-defense insurance, also known as concealed carry insurance, provides critical legal protection and financial assistance for individuals who use a firearm or other lawful means of self-defense. When you defend yourself or others in a life-threatening situation, the aftermath can involve significant legal and financial burdens. Self-defense insurance helps mitigate these challenges.

For a side-by-side breakdown of the top plans available, check out our comparison chart here: The Best Self-Defense Insurance Programs Comparison

What Does Self-Defense Insurance Cover?

Typically, self-defense insurance includes:

  • Legal Representation: Coverage for attorneys and legal experts to defend you in criminal and civil court.
  • Bail Bonds: Assistance to post bail if you are arrested after a defensive incident.
  • Civil Liability: Protection against lawsuits that may arise following a justified self-defense event.
  • Expert Witness Fees: Coverage for expert testimony that could strengthen your defense in court.
  • Lost Wages: Compensation for lost income due to court appearances or incarceration.
  • Counseling Services: Assistance covering psychological counseling after a traumatic self-defense incident.

Who Should Consider Self-Defense Insurance?

Self-defense insurance is valuable for:

  • Concealed carry permit holders
  • Homeowners who own firearms for protection
  • Individuals living in high-crime areas
  • Anyone who regularly carries or uses firearms professionally or recreationally

Why Is It Important?

To illustrate how quickly a self-defense incident can escalate into a legal battle, consider this fictional example:

Case Study: John, a Concealed Carrier in a Defensive Shooting

John is a concealed carry permit holder who works late hours. One night while walking to his car in the parking lot, he is approached by an armed individual demanding his wallet. The assailant raises a knife, and John, fearing for his life, draws his legally carried handgun and fires in self-defense, striking the attacker.

Police respond and take John into custody pending investigation. Even though the shooting appears justified, he is arrested, booked, and charged with aggravated assault while prosecutors evaluate the case. John now faces legal fees, bail, missed time from work, and mounting emotional stress.

These expenses could easily exceed $75,000 to $175,000, including legal representation, expert witnesses, bail (often set between $10,000 to $50,000), and time lost from work.

Because John had self-defense insurance, his bail was covered, he was immediately connected with a qualified attorney, and his legal defense costs were paid by his provider. He was eventually cleared of all charges, but without insurance, the financial strain could have been devastating.

Even if your actions are justified, legal fees alone can quickly escalate, potentially reaching hundreds of thousands of dollars. Without insurance, these expenses must be paid out-of-pocket, putting financial stability at significant risk.

Notable Self-Defense Insurance Providers

Looking for a quick side-by-side breakdown of what each plan offers? Visit our full comparison chart here: The Best Self-Defense Insurance Programs Comparison

Notable providers of self-defense insurance include:

  • USCCA (United States Concealed Carry Association)
  • CCW Safe
  • U.S. LawShield
  • Firearms Legal Protection
  • Right to Bear Insurance
  • Attorneys On Retainer

For a side-by-side comparison of coverage, costs, and features, refer to our comprehensive self-defense insurance comparison chart.

Do These Plans Include Attorneys on Retainer?

Most self-defense insurance providers do not provide personal attorneys on retainer in the traditional sense. Instead, they give you access to a network of vetted, experienced self-defense attorneys.

  • After a defensive incident, you contact the provider’s 24/7 emergency hotline.
  • They either assign a qualified attorney from their network or allow you to choose your own, depending on the policy.
  • Some plans cover legal costs upfront, while others reimburse you after the case concludes.

How to Choose a Self-Defense Insurance Policy

When selecting a policy, consider:

  • Coverage Limits: Ensure ample coverage for legal defense, civil damages, and other associated costs.
  • Legal Network: Access to qualified, experienced attorneys familiar with self-defense cases.
  • Policy Exclusions: Understand clearly what scenarios are and aren’t covered.
  • Cost vs. Benefits: Balance the policy’s premiums with the level of protection provided.
  • Reputation and Reviews: Opt for established, reputable providers with positive user feedback.

Conclusion

Self-defense insurance is an essential safety net for anyone prepared to defend themselves or others. It provides peace of mind, knowing you are financially and legally protected should you ever need to take lawful defensive action.

Want help picking the best option? Check out our comprehensive comparison chart here: The Best Self-Defense Insurance Programs Comparison for anyone prepared to defend themselves or others. It provides peace of mind, knowing you are financially and legally protected should you ever need to take lawful defensive action.

News

Colorado’s New Tax: A Costly Infringement on Second Amendment Rights

Mark Schneider

Starting on April 1, 2025, Colorado will implement a 6.5% excise tax on firearms, firearm precursor parts, and ammunition. While lawmakers are touting this as a measure to generate funding for crime victim services, mental health initiatives, and school safety programs, this new tax is raising serious concerns about its constitutionality and impact on gun owners’ rights.

Approved by voters through Proposition KK in November 2024, the tax aims to raise an estimated $39 million annually. However, critics argue that it is a direct infringement on Second Amendment rights. The measure places a financial burden on law-abiding gun owners, making it more expensive to exercise a constitutionally protected right. By taxing firearms and ammunition, the state is essentially penalizing citizens for owning and using guns legally.

Supporters of the Second Amendment contend that this is a backdoor attempt to limit access to firearms and ammo by making them more expensive, especially for lower-income individuals who rely on firearms for personal protection. Gun control advocates may claim that the money will fund public safety programs, but many see this as a disguised attack on gun rights that unfairly targets those who are simply exercising their legal rights.

Moreover, this new tax could have a chilling effect on citizens’ ability to protect themselves, particularly for those in high-crime areas or in professions where carrying a firearm is necessary for personal safety. The idea that gun ownership should come with an added financial burden is, at its core, unconstitutional. The Second Amendment guarantees the right to bear arms, and imposing taxes or fees that disproportionately affect gun owners and shooters seems to go against the very principles this country was founded on.

As with any tax, the financial burden will likely fall heaviest on those who need it least—law-abiding gun owners who are already required to undergo training, background checks, and follow strict regulations. In effect, this tax could price out responsible gun owners while doing little to curb criminal activity. After all, criminals don’t purchase their weapons legally—they acquire them on the black market, untouched by such taxes.

The Colorado Firearms Excise Tax is yet another step in the long line of government overreach, chipping away at Second Amendment protections. For those who truly believe in the rights of American citizens to bear arms, this tax is not just an inconvenience, but a clear violation of the very freedoms enshrined in the U.S. Constitution.

It’s time for lawmakers to recognize that the right to bear arms should not come with a hefty price tag—the cost of freedom should not be measured in taxes. If the government is truly interested in reducing crime and making communities safer, they should focus on real solutions, not on penalizing gun owners for exercising their rights. This new tax is not only a burden but also a direct assault on constitutional freedoms.

News, Services

New Colorado Firearm Safety Course Requirement Starting August 1, 2026

Mark Schneider

As Colorado’s firearm laws evolve, it’s important for both new and experienced gun owners to stay compliant with state regulations. Starting August 1st, 2026, Senate Bill 25 (SB25-003) will mandate that all individuals purchasing or transferring specified semiautomatic firearms complete a certified Firearm Safety Course. Whether you’re purchasing your first firearm or transferring a specified semiautomatic firearm, completing a Basic or Extended Firearms Safety Course is essential to ensure safe handling, storage, and operation of firearms.

Why Are Firearm Safety Courses Necessary in Colorado?

Under SB25-003, Colorado will require individuals wishing to purchase or transfer specified semiautomatic firearms to meet specific training requirements. These courses ensure responsible gun ownership by educating individuals on the safe handling, storage, and operation of firearms. Both the Basic Firearms Safety Course (4 hours) and Extended Firearms Safety Course (12 hours) meet the legal requirements under the new law and will be required for firearm ownership starting August 1st, 2025.

What’s Involved in the Firearm Safety Courses?

1. Basic Firearms Safety Course

This basic course is designed for individuals who have already taken a Hunters Safety or Firearms safety course. It includes a comprehensive understanding of firearm safety and handling basics, such as:

  • Safe handling of firearms and ammunition magazines.
  • Proper storage and child safety precautions.
  • Recognizing risks associated with mental illness and understanding Extreme Risk Protection Orders (ERPOs).
  • Raising awareness of the impact of firearms-related deaths and promoting empathy for victims.

At the conclusion of the Basic Firearms Safety Course, students will take an exam that evaluates their grasp of firearm safety principles. To pass, students must achieve a score of 90% or higher.

2. Extended Firearms Safety Course

For those who need the whole advanced course, the Extended Firearms Safety Course provides 12 hours of instruction over at least two days. This course expands upon the topics covered in the Basic course and includes:

  • Detailed instruction on firearm safety, storage, and operational practices.
  • Legal protections and risk management strategies related to firearm ownership.
  • Psychological considerations, including how firearms ownership impacts decision-making under stress.

Like the Basic course, students must demonstrate their firearm handling skills and pass an exam to complete the course.

Who Can Teach Firearm Safety Courses in Colorado?

To ensure that these courses are legitimate and meet legal requirements, all instructors must be verified by local sheriffs. They are responsible for verifying students’ eligibility and submitting completion records to the Firearms Training and Safety Course Record System.

How Do I Get Certified?

Upon completion of either course, students will receive a Firearm Safety Course Eligibility Card, which is valid for 5 years. This card proves that you have successfully completed the necessary training to comply with Colorado’s firearm purchase and transfer laws. The instructor will electronically enter your information into the state’s official system to verify completion.

Enrollment: How to Sign Up for Firearm Safety Courses in Colorado

If you’re ready to meet Colorado’s firearm safety requirements, we’ve got you covered. Our accredited Basic and Extended Firearms Safety Courses are designed to ensure you understand the legal, ethical, and safety-related responsibilities of firearm ownership.

Sign up now for an upcoming class in your area, and take the first step toward becoming a certified, responsible firearm owner.

Why Should You Take a Firearm Safety Course?

Whether you are an experienced gun owner or a first-time buyer, taking a certified firearm safety course is a wise investment in both your safety and the safety of others. Here are some key benefits:

  • Ensure compliance with Colorado firearm laws: Completing the required course allows you to legally purchase or transfer semiautomatic firearms.
  • Promote responsible firearm ownership: Learn how to safely handle, store, and transport firearms to prevent accidents.
  • Protect yourself legally: Demonstrating that you have completed a certified firearm safety course can be crucial if you are ever involved in a self-defense incident.

Conclusion: Prioritize Firearm Safety and Stay Legal

Starting August 1st, 2026, Colorado’s new firearm regulations will require all firearm owners to complete a certified Basic or Extended Firearms Safety Course. By doing so, you will not only comply with the law but also ensure that you are a responsible firearm owner. Whether you’re looking to purchase your first firearm or ensure that you’re legally compliant with the latest regulations, our courses are the perfect fit for any gun owner.

Ready to get certified? Sign up now and start your journey toward responsible firearm ownership today.