Why do I need civil liability coverage?
While CCW Safe covers 100% of civil trial defense costs, if you lose a civil lawsuit and a jury awards damages, you are responsible (liable) for those damages unless you have the Civil liability add-on. The civil liability add-on will pay up to $1 Million dollars of a civil damage award. The Ultimate and Freedom plans cover up to $2 Million dollars of a civil damage award, according to plan add-ons chosen.