In a rare “scoop” for an editorial cartoonist today, Matt Bors skewered a little-known National Rifle Association (NRA) program that offers insurance to cover policy holders’ costs should they become embroiled in a legal battle after shooting someone in self-defense.
The insurance — technically endorsed by the NRA and administered by Lockton Affinity exclusively for NRA members — is available as a rider to the “excess personal liability” plan. Here’s how the website advertises the added coverage for self-defense (emphasis in the original):
• Provides coverage up to the limit selected for criminal and civil defense costs.
• Cost of civil suit defense is provided in addition to the limit of liability for bodily injury and property damage.
• Criminal Defense Reimbursement is provided for alleged criminal actions involving self-defense when you are acquitted of such criminal charges or the charges are dropped.
The basic liability plan costs either $47 or $67 annually, for coverage up to $100,000 or $250,000, respectively. Though the coverage amounts stay the same, a policy holder can add the self-defense insurance by paying $118 or $165 for the lesser coverage, or between $187 and $254 for the larger plan. (The discrepancies are due to the different prices for coverage on two different webpages from the insurer.)
The NRA pushed its members in 2005 to support Florida’s controversial “stand your ground” law — an exemption from arrest or prosecution in shootings where the police think the act was in self defense. When the law got bad press after police let the man who shot and killed Florida teenager Trayvon Martin go free, the NRA refused to back down, continuing to support the law’s passage in other states (amid other acts of insensitivity around Martin’s shooting death).
Here’s Matt Bors’ cartoon skewering the insurance program: