Firearm Liability Insurance

Shielding you, your family, and your rights

Shield U is committed to providing affordable insurance coverage to responsible gun owners backed by highly rated insurance companies that support your second amendment rights.    

Shield U
Trusted by these partner organizations
Metropolitan Alliance of Police
Police Benevolent and Protective Association
IL Fraternal Order of Police

How It Works

Whether professional or civilian, Shield U has a policy built to protect you.


You work hard to build a financial future for your family. Blue Cover insurance offers law enforcement officers a firearms liability policy which is designed to provide you with the legal and financial resources you need when it counts the most. Purchasing an affordable Law Enforcement Family Firearm policy is the right decision to make for you and your family. Our policies offer the following benefits to law enforcements officers and their family members.


Protecting yourself or your loved ones during a defensive gun use can result in a myriad of legal proceedings being made against you including civil liability suits seeking monetary damages, or criminal charges being filed against you. The justice system is filled with overzealous prosecutors seeking to further their own political agendas by bringing criminal charges against you.


Frequently Asked Questions

Doesn’t my homeowners insurance provide liability coverage for my use of a firearm?  

Maybe, most homeowners policies provide liability protection for accidental injuries caused by an insured. However, most policies exclude coverage for injuries and damages that are expected or intended. Some insurers provide coverage for reasonable use of force to protect your person or other persons, but determining what constitutes “reasonable use of force” is left up to your insurer. Courts interpret policy language in very different ways. Some courts interpret the exclusion liberally, while others interpret it literally. It can depend upon the jurisdictions that take a more liberal approach and look at the degree of injury or damage inflicted into consideration and whether the results of the act were expected or intended, not simply whether the act was expected or intended.

Your homeowners insurance will not protect you against alleged criminal acts. You will be responsible for funding your own criminal defense expenses to protect your freedom.

Will my homeowners insurance defend me for alleged criminal acts?

No. Criminal acts are excluded from coverage on homeowners policies.

If my homeowners insurance won’t cover me doesn’t my umbrella?

No. The umbrella policy only adds additional amounts of liability protection when the underlying policy coverage limit has been exhausted. If the underlying policy does not cover the claim the umbrella won’t either.

Who is Shield U Insurance Group?

We are an Independent Insurance Agency that exclusively markets Firearm Liability coverage to all responsible gun owners. Including tailored coverages for Active and Retired Law Enforcement Officers.


SPRISKA is the insurance company that underwrites the gun liability policy. They are a domestic insurance company, admitted to do business in the State of Illinois, and located in Springfield, IL.


We are committed to providing our customers with the products, services, and educational resources they need to protect their family, freedom, and second amendment rights.  Shield U is an insurance agency dedicated to providing affordable insurance coverage to responsible gun owners.  Our owners are gun enthusiasts that support the second amendment, law enforcement, and your lawful right to protect yourself and your loved ones. We offer firearm liability insurance to non-law enforcement gun owners through our Safety On insurance cover.    Learn more about Safety On Now. We offer firearm liability insurance to both active and retired law enforcement officers through our Blue Cover insurance offering.  Learn more about Blue Cover Now. Our policies are insured through our “A” rated property and casualty affiliate Specialty Risk of America “SPRISKA”.  Your Protection is our policy and priority! 

Your Protection is our policy and our priority!

For more information regarding the policy, or to make a claim under your policy contact our professional customer service representatives toll free at:
(833) 815-0852

Shield U

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