We've seen some questions lately whether CCW carry insurance is required in Nevada or not. It most definitely is not. In fact, we're unaware of any state requiring liability insurance to own or carry a firearm (although San Jose, CA, passed a controversial ordinance recently).
CCW insurance, carry insurance, or self-defense insurance (it goes by many names) is essentially membership or traditional insurance based coverage to assist with a legal defense or liability judgements in the event of a self-defense incident. Each policy is different; some are reimbursement only (you pay the defense costs and the policy reimburses you), some pay for a lawyer, others pay for both a lawyer and will pay any judgement against you.
This is optional coverage that is a great idea, but not mandatory. Few of us can afford an expensive legal defense and one should never talk to the police without an attorney present. A small monthly payment for one of these services makes sure there is an attorney on call should you be involved in a defensive gun use. A good lawyer, if you go to trial, can costs tens of thousands of dollars or more.
Some CCW instructors make sales pitches for the various self-defense insurance companies out there. Nevada Carry was part of a referral program in the past. There's nothing wrong with pitching these services; it's a good way for the instructors to make an extra buck off the referral and the service is a good idea for the citizen.
Where we take issue is when the sales pitch is at the expense of actual training or students are misinformed. An extended or especially forceful pitch to a captive audience is not fair or ethical. Sitting students down and selling the insurance for an hour is too much and if that's part of the 8-hour minimum, it's probably not kosher with the approved curriculum.
So again, while it's a good idea to have it, Nevada flat-out does not require any sort of insurance to own or carry a gun. There is no legislation mandating it in the future (although we're not guaranteeing anything in the future). Anyone telling you insurance is required to carry a gun is wrong.
On a political note, anti-gun hoplopaths and talk out of both sides of their mouths maligning it as "murder insurance" then say they want to require liability insurance for gun owners often blaming the "cost" of "gun crimes." Law abiding citizens aren't the ones causing society to pay a price for violence; these calls for insurance are just to make it as difficult as possible to legally own a gun
Clayton E. Cramer
Gun Free Zone
The War on Guns
The View From Out West