Lockton Affinity Review: Expert CCW Opinions

If you’re a responsible gun owner in the United States who carries concealed weapons, you understand the importance of having comprehensive insurance coverage. 

Lockton Affinity is an insurance company that specializes in providing Concealed Carry Weapon (CCW) insurance. 

In this Lockton Affinity review, we’ll dive into what Lockton offers, how much their CCW insurance costs, the self-defense coverage details, and provide our take on their services. 

We’ll also compare Lockton Affinity to CCW Safe, another prominent player in the CCW insurance market, and conclude with a list of pros and cons.

What is Lockton Affinity?

Before we dive deeper into our Lockton Affinity review, it’s important to understand who they are and what they do. 

Lockton Affinity is a subsidiary of Lockton Companies, a well-established, global insurance brokerage firm. This insurance company is known for its specialization in providing insurance solutions to affinity groups.

In the context of concealed carry, Lockton Affinity has developed a reputation for offering comprehensive Concealed Carry Weapon (CCW) insurance policies.

CCW insurance from Lockton Affinity is specifically tailored to the needs of responsible gun owners who carry concealed firearms for personal protection. The unique aspect of Lockton Affinity is its focus on providing financial and legal support to individuals who may find themselves in a self-defense situation involving their concealed weapon.

Their commitment to helping gun owners navigate the complex legal aftermath of such incidents sets them apart from traditional insurance providers.

The best CCW insurance companies all share a common goal, which is to offer peace of mind to CCW permit holders by ensuring they have access to resources that can help protect their rights, assets, and reputation should they ever need to use their concealed weapons in self-defense.

How much does Lockton Affinity CCW Insurance cost?

Monthly Cost$6.25$10.41$14.58$22.08
Annual Cost$75$125$175$265
Criminal Defense Max$50,000*$100,000*$150,000*$250,000*
Civil Defense Max$250,000$500,000$1 million$1.5 million
Civil Damages Max$250,000$500,000$1 million$1.5 million
Pick Own Attorney?YesYesYesYes
Money Up Front?NoNoNoNo
Per Diem Max$250/day*$250/day*$250/day*$250/day*


The cost of Lockton Affinity CCW insurance can vary based on several factors, which makes it flexible and customizable to an individual’s needs. Some of the key factors that influence the cost of CCW insurance with an insurance company like this would include:


The state or even the specific city you reside in can impact your premium. States with stricter gun laws or higher crime rates may see higher premiums.

Coverage Limits

The extent of coverage you choose significantly affects the cost. Higher coverage limits come with higher premiums but can provide more comprehensive protection.

Additional Endorsements

This insurance company often allows policyholders to add endorsements to tailor coverage to their needs. These endorsements can include things like expert witness coverage or coverage for spouses or family members.

On average, a basic CCW insurance policy with Lockton may cost between $200 and $400 per year. This is a reasonable price to pay for the peace of mind and financial protection it can provide.

It’s essential to understand that while CCW insurance isn’t mandatory, the cost is relatively small compared to the potential legal expenses and liabilities you could face if you ever have to use your concealed weapon in self-defense.

Lockton Affinity Self Defense Coverage Details

Lockton’s CCW insurance provides a range of self-defense coverage details, ensuring that policyholders are prepared for various scenarios where they may need to use their concealed weapon to protect themselves or others. Some key components include:

Legal Defense 

In the event of a self-defense incident, Lockton Affinity is there to provide financial support for legal fees. They understand the complexities of self-defense cases and aim to ensure that you have competent legal representation to navigate the legal system effectively.

Bail Bond 

If you find yourself arrested after a self-defense incident, Lockton can assist in securing your release on bail, which is crucial to regaining your freedom and preparing a strong legal defense.

Personal Injury and Property Damage 

This part safeguards you from potentially significant financial losses in case you are found liable for harm caused during a self-defense situation. It can be essential for protecting your assets and preventing financial ruin.

It’s vital to carefully read and understand the specific terms and conditions of your Lockton Affinity policy to determine the extent of coverage for your unique needs. These details can differ between policies, so it’s crucial to choose one that aligns with your requirements and concerns when carrying a concealed weapon.

In summary, Lockton Affinity provides comprehensive CCW insurance that can be customized to your specific needs. This insurance offers financial and legal support, helping gun owners confidently exercise their right to carry concealed weapons while being prepared for the potential legal challenges that may arise in self-defense situations.

Our take on Lockton Affinity

Lockton Affinity offers concealed carry insurance that can be a valuable resource for responsible gun owners. However, like any service, there are aspects that we find commendable and areas where there may be room for improvement.

What we like about Lockton Affinity

Competitive Pricing: Lockton Affinity’s pricing structure is quite competitive in the CCW insurance market. They offer an affordable option for gun owners looking to protect themselves legally and financially in self-defense situations. This affordability can be a significant advantage for individuals on a budget.

Strong Industry Reputation: Lockton Affinity benefits from its parent company’s reputation as a well-established and respected insurance brokerage firm. This reputation can provide policyholders with confidence in its ability to deliver on its promises and provide reliable service.

Nationwide Network of Legal Experts: Lockton Affinity’s access to a nationwide network of attorneys and legal experts is a valuable asset. Having legal professionals who understand the intricacies of self-defense cases can be incredibly beneficial if policyholders ever find themselves in a situation that requires legal representation.

Flexible Payment Options: Lockton Affinity understands the financial concerns of gun owners and offers flexible payment options. This allows policyholders to manage their insurance costs more easily and can make the coverage more accessible to a broader range of individuals.

What we don’t like about Lockton Affinity

Basic Coverage: One potential drawback of Lockton’s CCW insurance is that the coverage can be relatively basic when compared to some other providers. While they offer essential coverage, some policyholders may wish for more extensive options or higher coverage limits.

Depending on your specific needs and concerns, you may find their policies somewhat limited in scope.

Limited Availability: Lockton Affinity’s services may not be available in all states or regions. This can be a disadvantage for gun owners who live in areas where Lockton does not operate. It’s essential to check their availability in your state before considering them as a CCW insurance provider.

Comparison to Competitors: In a market with various CCW insurance providers, some individuals might find that competitors offer more robust coverage, higher policy limits, or additional benefits like expert witness coverage.

Comparing Lockton to other providers can be essential to determine which provider aligns best with your specific needs and preferences.

Pros and Cons of Lockton Affinity

Lockton, like any service, comes with its set of advantages and disadvantages. It’s crucial to understand these pros and cons to make an informed decision about whether their CCW insurance is the right fit for you.


Competitive Pricing: Lockton offers cost-effective CCW insurance options, making it accessible to a wide range of gun owners. This affordability can be especially appealing for individuals who are budget-conscious but still want comprehensive coverage.

Nationwide Network of Legal Experts: Lockton’s access to a nationwide network of attorneys and legal experts is a significant advantage. In self-defense situations, having legal professionals who understand the nuances of firearm-related cases can be a lifesaver.

Strong Industry Reputation: Lockton benefits from being a subsidiary of Lockton Companies, a well-established and reputable insurance brokerage firm. This reputation adds credibility and assurance to their services, as policyholders can trust in their commitment to providing quality insurance products.

Flexible Payment Options: Lockton recognizes the financial constraints that many gun owners may face. Their provision of flexible payment options enables individuals to manage their insurance costs effectively, ensuring that CCW insurance is accessible to a broader audience.


Basic Coverage: One notable drawback is that Lockton’s coverage can be relatively basic compared to some other CCW insurance providers. While it offers essential coverage, some policyholders may desire more comprehensive options or higher coverage limits, depending on their specific needs and concerns.

Limited Availability: Lockton’s services may not be available in all states or regions. This lack of availability in some areas can be a disadvantage for gun owners who reside in regions where Lockton Affinity does not operate.

It’s essential to confirm their availability in your state before considering them as a CCW insurance provider.

Competitor Comparison: In a competitive CCW insurance market, some gun owners may find that Lockton’s competitors offer more extensive coverage, higher policy limits, or additional benefits like expert witness coverage.

Therefore, prospective policyholders should conduct a thorough comparison to identify the insurance provider that best aligns with their unique needs and preferences.

Why is CCW Safe better than Lockton Affinity?

CCW safe

While Lockton is a reputable CCW insurance provider, CCW Safe is another significant player in the market and has some advantages that might make it a preferred choice for certain gun owners.

Here are some reasons why someone might consider CCW Safe superior to Lockton:

Comprehensive Coverage

CCW Safe is renowned for offering extensive coverage with high policy limits. This means policyholders may have more substantial protection in terms of both financial and legal support in the event of a self-defense incident. It’s a suitable choice for gun owners who want the utmost security.

Expert Witness Coverage

CCW Safe often includes expert witness coverage in its policies. This can be invaluable in court, as expert witnesses can provide crucial testimony to support your self-defense case.

Mental Health and Counseling Support

CCW Safe often provides mental health and counseling support, recognizing the emotional toll that self-defense incidents can take. This additional support is beneficial for those who may need psychological assistance after such events.

Nationwide Availability

CCW Safe typically has a broader presence across the United States, making it accessible to more gun owners, including those in regions where Lockton might not operate.

It’s important to note that the choice between Lockton and CCW Safe ultimately depends on your individual needs and preferences. While CCW Safe offers certain advantages, Lockton may still be a suitable and more affordable choice for some gun owners.

Comparing these two providers and carefully considering what aspects of coverage are most important to you will help you make the best decision for your specific situation.


Lockton offers a solid option for those seeking CCW insurance. They have a strong industry reputation, competitive pricing, and a commitment to providing legal support. However, the coverage may be relatively basic for some gun owners, and it’s essential to review their policies carefully to ensure they meet your specific needs.

Ultimately, the right CCW insurance provider for you will depend on your individual circumstances and preferences. It’s essential to conduct thorough research, compare different providers, and carefully assess your coverage requirements before making a decision.


Is CCW insurance necessary?

While CCW insurance is not mandatory, it can provide essential financial and legal protection if you ever have to use your concealed weapon in self-defense.

Can I customize my Lockton Affinity CCW insurance policy?

Yes, Lockton offers flexibility in coverage and allows you to choose options that best suit your needs.

How do I decide between Lockton Affinity and CCW Safe?

 It’s recommended to compare both providers based on your specific requirements, including coverage limits, pricing, and available services to determine which is the better fit for you.

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