Terms of Service

Legal Disclaimer

Carry Shield Quote provides educational information about concealed carry insurance products. We compare prices, coverage limits, exclusions, and features. That's it. We do not provide guidance on what insurance to buy, whether you need coverage, or whether coverage applies to your specific situation.

Not Legal Advice, Not Insurance Advice

Concealed Carry Laws Vary by State

Laws governing concealed carry, use of force, and self-defense vary dramatically across states, counties, and cities. Some states prohibit certain firearm types. Others have specific permit requirements. Some have "stand your ground" laws; others require a duty to retreat.

You are solely responsible for understanding the laws in your jurisdiction. Talk to a local attorney licensed in your state if you have questions about legal carry or use-of-force rules.

Insurance May Not Cover Your Situation

Concealed carry insurance policies have exclusions. Common exclusions include:

• Criminal acts (defense coverage typically does not apply if a court finds you guilty of a crime)
• Gross negligence or recklessness
• Carrying in violation of local law
• Intentional acts
• Alcohol or substance impairment
• Use of force outside your home or vehicle
• Incidents on your own property beyond immediate self-defense

Policy terms vary. Before purchasing, review the actual policy document from the insurance carrier.

This Site Does Not Evaluate Your Eligibility

We do not know your personal situation, criminal history, state of residence, or specific circumstances. Only the insurance carrier can determine whether coverage applies to you or your situation. Apply directly to carriers to get underwriting decisions.

Educational Purposes Only

This site is provided for educational and informational purposes only. By using this site, you acknowledge that:

• Information may be incomplete, outdated, or contain errors
• Insurance policies are complex legal documents with many terms, conditions, and exclusions
• You are responsible for reading the full policy terms from the carrier before purchasing
• Carry Shield Quote is not responsible for policy changes, carrier decisions, or claim denials
• You should consult licensed professionals (attorneys, insurance agents) before making decisions based on this information

Affiliate Relationships & Commissions

Carry Shield Quote has affiliate relationships with insurance providers listed on this site. We earn a commission if you purchase a policy through our links.

Affiliate Disclosure

• We have financial incentives to recommend certain carriers
• Commission amounts vary by carrier and product
• All affiliate links are clearly marked or noted in our affiliate policy
• Affiliate relationships do not affect our ratings or comparisons (we believe in transparency, and you deserve accurate info)

What This Means for You

When you click a link to an insurance provider on this site, you're likely being referred through an affiliate link. The insurance carrier may pay us a commission if you purchase. This does not affect your price - you pay the same whether you come directly or through us.

We recommend carriers we have affiliate relationships with AND carriers we don't. If a carrier without an affiliate relationship offers better coverage for your needs, we'll recommend it.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CARRY SHIELD QUOTE SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF:

• Your use (or inability to use) this site
• Decisions you make based on information on this site
• Insurance claims denied or delayed based on policy exclusions
• Changes to insurance policies or provider coverage
• Your failure to read full policy terms before purchasing
• Legal consequences of firearm carry or use of force
• Errors, omissions, or outdated information on this site

Information Accuracy

We do our best to keep information current and accurate. However:

• Insurance carriers change policies, pricing, and terms frequently without notice
• Information on this site may be outdated
• Comparisons are based on publicly available information; carriers may not disclose all terms
• Regional variations, underwriting decisions, and carrier-specific exclusions may apply

Always verify information directly with the insurance carrier before making a purchase decision.

Acceptable Use

You agree to use this site only for lawful purposes. You will not:

• Use this site to commit fraud or misrepresent yourself
• Attempt to hack, reverse-engineer, or disrupt this site
• Scrape or bulk-download content without permission
• Spam or send unsolicited messages through this site
• Violate any local, state, or federal law

No Warranty

THIS SITE IS PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. WE MAKE NO WARRANTIES THAT:

• This site will be error-free or uninterrupted
• Information is complete or accurate
• This site will meet your specific needs
• Any third-party content (insurance policies, legal docs) is correct

Changes to Terms

We may update these terms at any time by posting changes on this page. Your continued use of the site after changes constitute acceptance of the new terms.

Questions?

If you have legal questions about concealed carry or self-defense liability, consult a licensed attorney in your state.

If you have questions about this site, our affiliate relationships, or our comparison methodology, email us:

contact@carryshieldquote.com