USCCA Pulls Out Of New Jersey

It recently came to our attention that the US Concealed Carry Association recently had to pull their services off the shelf for New Jersey gun owners due to the actions of governor Phil Murphy. 

Governor Murphy signed an executive order that directed New Jersey’s Department of Banking and Insurance to prohibit the sale of “insurance products that encourage the improper use of firearms.”

On Sept 10, the governor of New Jersey, Phil Murphy, signed an executive order directing New Jersey’s Department of Banking and Insurance to prohibit or limit the sale of insurance products that encourage the improper use of firearms.  

Now, USCCA membership isn’t insurance, and you and I both know our membership does not encourage the improper use of firearms but it appears the State of New Jersey may not agree with us.  As such, we have received a notice of inquiry from the state of New Jersey about our membership program. 

To ensure our long term ability to provide membership to as many responsibly armed Americans as possible, we are suspending selling new memberships and renewing existing memberships in New Jersey as we work our way through this state inquiry.

This is sadly not the first time this has happened. USCCA also recently had to pull out of both Washington and New York states for similar reasons.

We always recommend that you stay covered as long as you can, in case you ever find yourself up that proverbial creek. What this means, is that you must use another company once your USCCA coverage runs out. The problem here, is that when USCCA pulls out of a state, most of their competition follow suit pretty quick. The keyword there, is “most.” 

More on this in a moment. But first, let’s discuss what the problem is for USCCA and some of the others.

The problem, even though they’re not “insurance” as far as the traditional definition of the word describes, they do list each member as a beneficiary of their coverage. Because they list beneficiaries, they’re regulated a lot like a regular insurance company is. Therefore, when state officials are told to limit or prohibit any insurance for “improper use of firearms,” they’ve got no choice to pull out, or get into some sort of trouble with that state which they obviously don’t want to do. 

The only company who doesn’t usually pull out of a state because they’re set up a lot differently is CCW Safe. CCW Safe is a form of “captive insurance” where there are no beneficiaries listed. If you need to use your firearm in defense of life, as a member you contact them and they cut a check directly from their own bank account. 

Because of this, they’re not held to the same regulations as the rest of these companies are. I suggest that if you’re a member of USCCA, US Law Shield, or one of the others, that you compare the coverage you get in our chart

I also recommend you learn more about CCW Safe and how they’re set up in this article. Then, we compare CCW Safe and USCCA here. If you already know you want to look into getting CCW Safe to cover you in NJ or any of the other states will will undoubtedly follow New Jersey, Washington, and New York’s footsteps, click here

And as always, we appreciate any thoughts you may have on this, in the comments section below.


  1. Jeff Alexander on October 7, 2019 at 6:56 pm

    How does carry “insurance” “encourage the improper use of firearms”? Isn’t use of a firearm for self defense the proper use of a firearm? Isn’t that, at least in part, what Heller provides? Sounds like an unconstitutional order waiting for a law suit!

    • John on October 16, 2019 at 5:47 pm

      Jeff, I think that is part of the problem. There are not enough lawsuits in response to such constitutional breaches against gun owners. I can see CA and OR immediately following such steps. If the gun owners do not respond soon they will not have the option.

    • Larry D. Price on October 17, 2019 at 7:59 am

      I’m with you 100%, law suit in the making This has to be Un-constitutional at the least. Some of these people need a little water-boarding to wake them up. This has gotten old big time.

    • D. Dyton on December 8, 2021 at 10:02 pm

      You can kill someone with a car too. New Jersey still has car insurance. So glad we moved to Pennsylvania.

  2. Dennis Bader on October 7, 2019 at 8:39 pm

    so how do they get away with this when it’s obvious you do not encourage the improper use of firearms??????????some kind of extortion,arm twisting or backroom dealing, it seems illegal,does it not?

  3. Edward Mercer on October 8, 2019 at 9:37 am

    Typical liberal Dems. They want to control everything

    • Raymond on October 18, 2020 at 10:37 pm

      There’s nothing that rings of liberty with left wing socialist Marxist democrats. Don’t call them liberals, tyrannical is a more suitable moniker

  4. Jim on October 8, 2019 at 3:02 pm

    Seems by that logic that AAA and State Farm encourage reckless driving. I’m quite sure that deaths from auto accidents far outnumber deaths from self defense firearms use.

  5. Rudolph Marchand on October 8, 2019 at 5:14 pm

    does dying violate and invalidate life insurance?

    • David on October 17, 2019 at 10:15 am

      In New Jersey, it does, by THEIR standard.

  6. Ricard D. on October 8, 2019 at 11:40 pm

    Just move out of communist NJ.
    I absolutely hate NJ.

    • Louis on October 16, 2019 at 2:33 pm

      Yeah, but that won’t work. What happens in New Jersey doesn’t stay in New Jersey (or New York, or California, or MA).

      People used to move from Cali and NY to MA because it was affordable and there were jobs. They also wanted all the free stuff they had in Cali or NY, and voted accordingly. Now taxes are outrageous, guns are all but banned, and all those people are moving on to NH.

      Wash, rinse, repeat. Move from place to another and bring your ideology with you. Leaving nothing good behind.

      Because 2A people don’t often make a real fuss by showing up on the statehouse steps, this is going to happen everywhere unless we start fighting it where it starts. Like in New Jersey.

    • Jess Hogencamp on October 16, 2019 at 3:36 pm

      It seems that both New York and. New Jersey are looking to have open season for the Mafia.. I don’t know how we are getting beat up like this BS that these states are peddling.

    • Mike Crews on October 17, 2019 at 10:40 am

      I would never go or visit there

  7. Robert J Murphy on October 11, 2019 at 8:09 pm

    To me that governor couldn’t be more wrong. Having what the USCCA provides is what responsibly armed gun owners and concealed carry licensees is all about, that is being responsibly armed and taking steps to show people that you are a responsible person and understand your second amendment rights as an American with inanielable God Given Rights.

  8. Jim Isbell on October 16, 2019 at 1:40 pm

    Never been to NJ. Never will.

    • SERGIO SIMON on October 16, 2019 at 4:48 pm

      Lived there 10 months. Met some nice folks. Don’t let an asshole in office deter you.

  9. Thomas M Moody on October 16, 2019 at 1:44 pm

    Maybe if USCCA, NRA and all other gun owner associations throughout the nation brought
    a class action law suit against New Jersey, Washington & New York, & take to the Supreme court if necessary, chances are this illegal action by those states could be over turned.

  10. Vincenzo Messeri on October 16, 2019 at 1:48 pm

    Sue him ! It’s illegal !

  11. Dale Hilgenbrinck on October 16, 2019 at 1:49 pm

    What an idiotic decree. It needs to be challenged by the U.S. Supreme Court. As previously mentioned, how is this any different from Auto Insurance, Home Insurance (encourages setting one’s house on fire???) etc. We need common sense Government Officials in Office and term limits also.

  12. Doug Bushing on October 16, 2019 at 1:57 pm

    NJ only hearing what they want so much for the facts. The few trying to control the many, simply put if you own a gun you’re a citizen if you do not then you’re a subject just my opinion

  13. Steve Tucker on October 16, 2019 at 1:57 pm

    USCCA did the same thing in Washington State and USCCA opted to not renew my membership so I went to US Law Shield, how is it they can work in these states that USCCA cannot?

    • Terre Carter on October 22, 2019 at 6:42 pm

      Steve, I wondered the same thing. The article seems to imply that US Law Shield and USCCA are both seen as insurance companies, so why will Washington State allow US Law Shield and not USCCA? I’ve been with US Law Shield for a couple of years, and they always talk about how they are not an insurance company. None of this makes sense.

  14. bnjohanson on October 16, 2019 at 1:58 pm

    California will be next…and I am sure others. Don’t fight the tape, let it roll, we just must avoid these destinations, despite having to essentially lose a portion of our Country that appreciates us. You know what; so be it. It’s unsustainable and we will win in the end via the evolution of elections, the unsustainable Liberal hypocrisy, and we’ll be back. In the meantime, just find and enjoy the many, many beautiful areas of this Country that love us, as we do them…

  15. tzechella on October 16, 2019 at 2:00 pm

    Logic would follow then that auto insurance encourages the improper use of automobiles (?).

  16. Bony Tony on October 16, 2019 at 2:01 pm

    The Democrats are infringing more and more on our Constitutional rights and this specifically targets our Second Amendment rights. This party has transformed into one fully rooted in Socialism and Communist. They are just smart enough to use our Freedoms against us. And they have weaponized our use of language to infringe on our First Amendment right.

    This old man feels strongly that if we don’t re-elect President Trump, our rights will continue to erode until we reach the tipping point and the United States of America will fade into the globalists dream of a One World Government. God forbid. Prayers for America and President Trump.

  17. Greekfed on October 16, 2019 at 2:02 pm

    Remember folks, NJ Is the state that considers ownership of a slingshot a Felony!

  18. Dennis Holder on October 16, 2019 at 2:02 pm

    I agree with Robert Murphy and am afraid other left wing governors will do the same thing in their states. Once this happens the dominoes fall quickly. Instead of fleeing it is paramount USCCA take a stand in our highest courts to continue offering the protection and trading tools we have come to respect as legal gun owners. Nip it now and fight for yourselves as you have done for so many. We are in full support.

  19. Donald on October 16, 2019 at 2:03 pm

    I believe it started here in NYS, where this is the case BUT for all of you in NJ, just go to Armed Citizens’ Legal Defense Network, Inc. It’s looks like an insurance co. but it’s not. Check out I’m protected by them and I’m in NYS.

  20. Dennis Holder on October 16, 2019 at 2:05 pm

    training not trading

  21. Bruce S on October 16, 2019 at 2:07 pm

    So if I’m a USCCA member and travel THROUGH NJ but have to defend myself, does USCCA still cover me?

    • Jacob Paulsen on October 16, 2019 at 3:57 pm

      Yes I believe so.

      • Chad Zike on October 17, 2019 at 9:21 am

        yes only relates to sale of membership which is a insurance
        policy I am a uscca instructor in Illinois

  22. Ken on October 16, 2019 at 2:09 pm

    Does health insurance encourage one to get sick or injured, auto insurance encourage one to drive recklessly or homeowners insurance encourage one to burn their house down?

  23. Bill Strossman on October 16, 2019 at 2:14 pm

    As I recall, New Jersey is the crookedest state in the Union. Nothing done by that state surprises me any more.

    • Laurence on April 20, 2022 at 4:41 pm

      Keep in mind that NY State and NJ are the home of the Mafia. And organized crime created NY’s Sullivan Law – do some research.

  24. Larry McNeill on October 16, 2019 at 2:19 pm

    You can not ever present rational logic to convince a liberal about gun safety and law abiding armed us citizens. They can not and will never understand.

    • Trev Clark on October 16, 2019 at 5:15 pm

      To convince someone like that they have to experience REAL VIOLENCE. That is the only time thwy change their time. Unfortunately, by that time they are blaming the POLICE because they were not protected! Just like the old saying no atheists in foxhole, no liberals in a gun battle.

  25. John Wilburn on October 16, 2019 at 2:24 pm

    So does having car insurance encourage the improper use of a car? So long as there’s a way to bring financial catastrophe upon someone, they should have the right to ensure against it.

  26. Jon Smith on October 16, 2019 at 2:29 pm

    Typical knee jerk liberal actions concealing the true Dem agenda : the total, UNCONSTITUTIONAL disarming of the populace to allow complete control of our lives. We the People cannot tolerate this much longer. The 2nd American Revolution is coming.

  27. Ted Acker on October 16, 2019 at 2:35 pm

    This is very disappointing. I would think that this organization should step up and fight for gun owners in New Jersey and any other state that attempt to violate a U.S. citizens right to have a firearm. How soon will it be before all the states follow and do the same thing! There have to be some brilliant Constitutional minds that could work in conjunction with the many firearms advocates, NRA, to protect the freedom of the U.S. citizens!

  28. Matt Thomas on October 16, 2019 at 2:41 pm

    Does having car insurance encourage one to drive recklessly. I have fire insurance on my house. It hasn’t caused me to burn down my house (yet).

  29. Phillip A Conrad on October 16, 2019 at 2:45 pm

    So the ,( ANSWER ), Appears that USCCA could easily fix their own internal or external problem by not calling your company an insurance company !

    Change to a company at maintains legal attorneys services for the use of legal services to defend USCCA clients.

    Get rid of any thing that has beneficiaries titles or family survivor benefits !

    It’s a personal retention of lawyer services throughout the United States to protect your USCCA CLIENTS ‼️

    I’m NOT an attorney but this could be the easy fix .

    It’s kind of like F.O.P for police officer that need attorneys due to their circumstances in their jobs. It’s NOT INSURANCE ‼️

    It’s is for legal services only !

  30. Judy Kennedy on October 16, 2019 at 2:49 pm

    This is the first I’ve heard about USCCA pulling out of states. It scares me that this is even allowed. We are loosing our 2nd Ammendment rights faster than ever before. How is this even possible? Who and what are undermining our rights and freedoms that the Constitution gave us. Are we to become a dictatorship? We legal americans need to FIGHT!!!! NOW!!!

  31. Vincent Lambrecht on October 16, 2019 at 2:50 pm

    A little over a year ago I informed you that I was covered by CCW insurance from a company called Second Call Ins. When it came time to renew I attempted to access my online policy. I got a message that I no longer had a policy with them. I received a notice in the mail some time later that there policy’s were under written by Loyds of London and they had dropped NJ policies as did Shield when I inquired with them.
    I never attempt to join in gun buys or giveaways.

  32. Vincent Lambrecht on October 16, 2019 at 2:52 pm

    If you want a copy of the refusal to insure let me know I will send it to you.

  33. Mitt Radates on October 16, 2019 at 2:57 pm

    There has been much liberal chatter about requiring firearm owners to carry insurance. I wonder how they square that with NJ’s idiot governor’s executive order. We escaped from NJ after living there 38 years and one day after retirement. We actually liked NJ then, but it became a schiff-hole state.

    • John P on October 16, 2019 at 10:41 pm

      Wondering about that in NY every year assembly puts forth legislation to require gun owners to carry insurance but Cuomo directed DFS to go after companies that were insuring gun owners… bottom line is dems want to disarm all.

      • Laurence on April 20, 2022 at 4:43 pm

        If the DemoSocialists had their way, the entire Constiution would be abolished, not just the 2nd Amendment.

  34. Lenny Brandt on October 16, 2019 at 3:17 pm

    I feel the people of those states allow the liberal government to do this to them. You will have to deal with in the next election and if you don’t you know where the door is.

  35. George on October 16, 2019 at 3:18 pm

    It wasn’t that long ago libs/leftists were discussing REQUIRING gun owners to have insurance (like they do for automobiles).

    Just goes to show how feckless and rudderless they are.

  36. David Carter on October 16, 2019 at 3:30 pm

    Well I guess I will need to go around New Jersey on my way to New York.
    This is one of the most illegal thing I’ve ever seen.

    • John P on October 16, 2019 at 10:38 pm

      NY banned them first.

  37. John on October 16, 2019 at 3:32 pm

    It is a Bad situation but this is just a pitch for a product.

  38. Thomas Allen on October 16, 2019 at 3:36 pm

    USCCA Does everything it can to educate people in the correct use of firearms. This is the sad state of our nation.

  39. Mike on October 16, 2019 at 3:41 pm

    I see it as the left legalizing the intimidation of gun owners. They will hope bogus “red flag laws” will teach gun owners to get rid of their guns out of false legal liability, along with any other frivolous, bogus lawsuit that comes up against a gun owner. That would often leave a fake “civil lawsuit” with tremendous power to ruin a gun owner financially.

  40. Baker on October 16, 2019 at 3:43 pm

    So now the Governor has decided to have gun ownership and the use of the same Uninsured? This is supposed to make the citizens of NJ. SAFER?

  41. JAMES R FRANK on October 16, 2019 at 4:03 pm

    I live just outside of Philadelphia. I don’t travel to New Jersey. I won’t do business in New Jersey. Until New Jersey follows the intent of the Constitution of the United States, I refuse to spend any money there. I feel sorry for the residents who live there, but they have the power to change the policies that give more rights to criminals than law abiding citizens. It’s called the vote. Use it or lose it.

  42. Lawrence C. Bignall on October 16, 2019 at 4:08 pm

    I hope the USCCA takes a hard look at the executive order and considers litigation to challenge it! I am sure they will look very diligently at the pros and cons of expensive litigation. They obviously are taking a moment to pause and evaluate.
    We all know N.J. is very strict on concealed carry and will discourage it by whatever means they can legally use. So let us see what the evaluative process brings and what action may be considered by the USCCA and others who have chosen to withdraw because of the executive order. However, good to know CCW Safe has availability to cover the gaps.

  43. David Paxton on October 16, 2019 at 4:14 pm

    This is typical of the progressive left. Does auto insurance encourage the improper use of automobiles? Someone cuts you off and you accidentally run them off road, no problem you’re insured. I don’t think so. These people are nuts!

  44. BobF on October 16, 2019 at 4:22 pm

    Well the important thing is that the criminals in NJ will heed to this ruling as well, so firearm deaths won’t be a problem at all, right? I mean, it’s the law and all!

    It’s as if the leftists try to outdo each other in the “how much of a retard are you?” race.

  45. Michael Gregory on October 16, 2019 at 4:25 pm

    I am a Washington state resident and unfortunately I had to give up my USCCA protection because the Department of Insurance here did the same thing. I sent a letter to the insurance commission to protest this policy that they passed without any notice to state residents. They did respond with a letter stating because the “insurance” did not have a company in backing it in our state. It is still obviously unconstitutional because they only singled out the NRA and USCCA policies! Then they claim it is not against gun ownership. What a crock. More politically based rhetoric to crush the 2nd amendment,

    • Laurence on April 20, 2022 at 4:47 pm

      These blatant discriminatory laws should be challenged in court and abolished. They are totally unconstitutional. Can you imagine banning a company that sells life insurance? This is just another anti-gun scheme. I’m sure California will follow suit. San Jose already has a scheme to require gun owners to have liability insurance.

  46. Harold Eichholtz on October 16, 2019 at 4:27 pm

    You just can’t fix STUPID! Politicians are so out of touch with reality especially democrats!

  47. Luke A on October 16, 2019 at 4:39 pm

    It seems like “Phil Murphy“ just want honest citizens to be defenseless legally as well as physically. Let’s connect the dots, to drive a vehicle (which can be statistically more dangerous then firearms) we are legally required to have insurance. So It would stand to reason that having self defense insurance (especially for the oh so scary guns) would be wanted by all.

  48. Don Wood on October 16, 2019 at 4:52 pm

    In my opinion any government entity that wants to deny my Second Amendment Constitutional rights wants to either terminate me or enslave me. Neither is acceptable!

  49. Bill DuBose on October 16, 2019 at 5:58 pm

    But once you do use your weapon in what you were sure was for a necessary and responsible purpose should you be tried and convicted by some knee jerk DA and jury of irresponsible use, you and USCCA find yourselves in deep Schlitz.

  50. George Stremski on October 17, 2019 at 9:37 am

    I agree with Phillip Conrad, can USCCA restructure to maybe become a nationwide social club with benefits for members able to access a money pool for defense expenses.

  51. James Picalia on October 17, 2019 at 10:18 am

    Unbelievable!!!, again some politicians figure a way to screw over LAW ABIDING CITIZENS, Well if they can suspend our insurance coverage for improper use of our guns which HAS NOT been PROVEN in any way , shape or form, then I would put forward that ANY individual that has been ticketed, pulled over, or issued an appearance ticket to court for driving under the influence,,,,of ANY substance, have thier privileges of being insured REVOKED for DANGEROUS use of thier vehicle,,, Gun, vehicle BOTH can be improperly used and be dangerous to the point of LETHAL USE. Let’s see how they react to this,!!! And to having thier driving records revealed.

  52. Gary Spitzer on October 18, 2019 at 3:56 pm

    We all know that stupidity is rampant in our elected officials. My wish is that there be a requirement for public office be a documented I.Q. level that matches the room temperature of the houses of Congress. However, I don’t appreciate a company that charges me money every month with the assurance of defending our rights cutting and running every time some gibbering squirrel in government attacks our Second Amendment rights. Time to “man up” USCCA, the fight is ON!

    • Laurence on April 20, 2022 at 4:49 pm

      Keep in mind that IQ tests by employers have been judged to be “discriminatory” because stupid people can’t pass them. How many politicians can pass an IQ test? Probably not even half of them.

  53. Gary Spitzer on October 18, 2019 at 4:01 pm

    What kind of “moderation” is needed here? Is there something about my right to Freedom of Expression that you feel needs CENSORING? What country are you in, China?

    • Jacob Paulsen on October 18, 2019 at 4:07 pm

      Gary our website has community guidelines and standards that we keep. We moderate every comment to ensure it meets those standards. You can learn more about those guidelines here:

  54. Gary Spitzer on October 18, 2019 at 4:04 pm

    I live in the United States of America where the right of free speech is guaranteed by our Constitution. Why do you have a problem with that?

  55. Allen on October 19, 2019 at 11:18 am

    I live in Georgia, so does that mean we are not covered just in case we need the assistance? I hope that I never need to use it but with times like they are today, No one knows when they may need to use deadly force to protect yourself or a loved one or a stranger in need

    • Jacob Paulsen on October 21, 2019 at 10:11 am

      Allen, if you live in Georgia and are a member of USCCA your coverage is good across all states regardless if membership is being offered to residents of that state.

      • Joe Monteleone on October 24, 2019 at 11:25 am

        So if I understand USCCA’s policy, coverage extends beyond just firearms correct? So why would there be a need to move out of the state if the coverage extends to any type of weapon?

        • Jacob Paulsen on October 24, 2019 at 1:19 pm

          That would be a question for the USCCA

  56. Joe Monteleone on October 24, 2019 at 1:24 pm

    If I understand USCCA‘s policy correctly their coverage includes more than just firearms for defense… Why is leaving the state the course of action then?

  57. Oz on December 1, 2019 at 10:15 am

    CCWSafe no longer offers coverage for NJ residents, except for law enforcement.

  58. JohnY on May 4, 2022 at 2:28 am

    CC insurance does not promote any more incidents than car insurance promotes MV accidents. The only time there is a “GUN” problem is when the accomplice holding the gun is a CRIMINAL.

  59. Jimmy on July 18, 2022 at 8:12 pm

    Given the recent SCOTUS decision, it would seem that a challenge to this unconstitutional is imminent.

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