Does anyone have it?

From http://www.bankrate.com/finance/insurance/gun-owners-seek-self-defense-insurance.aspx:

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National Rifle Association coverage, underwritten by Lloyd's of London through the brokerage firm Lockton Affinity LLC, offers two options. For $165 per year, an NRA member receives $100,000 in combined liability coverage for civil defense costs plus criminal defense reimbursement, if acquitted. For $254 annually, the combined coverage jumps to $250,000.

Self-Defense Shield protection from the U.S. Concealed Carry Association, or USCCA, through Savers Property & Casualty Insurance Co., a subsidiary of the Meadowbrook Insurance Group, offers members three benefit levels, with coverage limits ranging from $50,000 civil/$25,000 criminal to $300,000 civil/$75,000 criminal. Prices run from $127 to $297 per year.

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"If you own a gun, whether it's concealed carry or not, you need a carrier that's going to have your back," he says. "Most insurance agents say, 'Oh yeah, you're covered,' and I laugh and say, 'No, you're not; I can show you right in your policy where it's excluded.'"

Baker says Monge and other gun-friendly independents may have discovered a lucrative self-defense insurance niche the big boys are overlooking, especially in regions where public opinion already favors gun rights.

"I'm a little surprised that some homeowners insurers in states with 'stand your ground' laws haven't decided to change their policies and offer this as a marketing strategy because there aren't going to be a lot of liability claims on this," he says. "If there are enough people that care enough about this to get the law passed, I don't see why some enterprising insurer doesn't say, 'Hey, our distinguishing feature is, we've changed our policy to reflect the law and cover you.'"

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Of course, if criminally charged and go through a trial, even $300,000 worth of insurance won't be enough to cover your legal defense.

$300,000 won't be enough to cover your legal expenses?

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$300,000 won't be enough to cover your legal expenses?

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It will cover $300,000 of them. Going all the way through trial could easily be in the millions.

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$300,000 won't be enough to cover your legal expenses?

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It will cover $300,000 of them. Going all the way through trial could easily be in the millions.

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Zimmerman's trial left him somewhere in the area of $2,500,000 in debt for attorney fees and related legal costs.

Section 83.001 of the Texas Civil Practice and Remedies codes says this:

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Sec. 83.001. CIVIL IMMUNITY. A defendant who uses force or deadly force that is justified under Chapter 9, Penal Code, is immune from civil liability for personal injury or death that results from the defendant's use of force or deadly force, as applicable.

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Suppose that you shoot and kill someone in justifiable self defense. By 83.001, you are immune from civil liability as stated above. I assume that the lawyers for the other side will just say "can't sue you" and go away. If sued, I think you would have to spend a fair amount of money on lawyers just get everything done to stop the lawsuit. I think that all 83.001 means is that if it goes to a court trial, the court cannot find you liable for those issues. It doesn't mean that you won't be faced with having to spend money defending yourself.

I would hope that the judge would dismiss any such lawsuits as being frivolous, but there are a great many lawsuits that should be dismissed as frivolous that carry on for years.

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Zimmerman's trial left him somewhere in the area of $2,500,000 in debt for attorney fees and related legal costs.

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Zimmerman was an idiot that went looking for trouble. Not exactly a typical self-defense type of situation

There is a Texas Civil Practice and Remedies Code addressing injury resulting from equine activities "due to the inherent danger associated with such activities", or some other such language that is supposed to protect equine professionals...yet I know of 2 cases where someone was sued anyway. Due to the expense of defending oneself, both were advised by attorneys to settle...

Wow, $300,000 is the cost of 2 law degrees... seems like you and a friend could go to law school and create your own legal defense team!

Texas Law Shield is the one I am looking at once I start carrying full time.

Just because you are protected from civil liability does not mean you won't be sued. You can sue for anything, it is up to you/your attorney to get the case tossed out of court. You'd be looking a few grand just to get through the filing of motion, tack on a couple more if you have to go to a dismissal hearing on the matter.

As a rule of thumb, if you pull the trigger, that is 100k easily right there.