As an honorably retired law enforcement officer you can legally carry a concealed weapon in most of the 50 states. However, if it is necessary to use deadly force to defend yourself or your family are you protected from financial ruin even if the shooting was entirely justified? The short answer is no, you are probably not protected. While continuing to carry an off duty weapon, most retired officers still hold a mindset that they are still “on the job” even after retirement when it comes to carrying concealed weapons. Yes, they are more seasoned and cautious, claim that they will “be a good witness,” and are more reluctant to engage, but in reality the instincts are still there.
Many rely on the belief that they will be given a break by a fellow officer and/or District Attorney’s office. Most are relying under the confidence that they will be covered by their homeowner’s policy, and/or umbrella policy in the event of a self defense incident and the civil lawsuit that will likely be filed against them. The simple fact is that most homeowner’s policies do not respond to “intentional acts of self defense” and there is case law to support this. In an Iowa case, a woman with three small children was attacked by two knife wielding assailants. After a fierce struggle she managed to get to her husband’s gun box and used deadly force on one of the attackers. The second attacker fled and was later captured by police. The family of the deceased filed a civil suit against her for wrongful death and she requested that her homeowner’s insurance carrier respond to defend her. The company refused and she then filed suit against them. The case went up to the Iowa Supreme Court who ruled in favor of the insurance company.
An umbrella policy does not normally offer a broader range of coverage than the underlying homeowner’s policy. Call your insurance company and inquire whether your homeowner’s policy will cover you for an intentional act of self defense. It they claim that they will cover you, protect yourself and ask that they send that to you in writing.
As a retired law enforcement officer or federal agent, you have a good pension and assets that are fair game for an eager plaintiff’s trial attorney. They can view your personal financial information via a quick database search.
A Florida State University study indicated that in the last few years there have been an average of 2.5 million defensive guns uses a year, with a recent USA Today study indicating that justifiable homicides are at a 10 year high.
You have worked too hard to see everything that you have saved for you and your family’s future go to a felon’s family and their voracious lawyers. If you are relying on the thought that you will just be a good witness, or will be given a break because of who you are, or that your homeowner’s policy will cover you, think again. Every time you step out of the house carrying a weapon you are putting your family’s financial future at risk.
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Remember the LEOSA-HR218 Self-Defense Protection policy was created just for you by someone just like you. LEOSA-HR218 President and creator Terry Chodosh is a former Florida Police Officer and a retired U.S. Secret Service special agent with nearly 30 years of service.