NRA Settles Carry Guard Charges With State of New York for $2.5 Million

The National Rifle Association’s disastrous Carry Guard insurance program, which has since ceased operation, has cost it tens of millions of dollars in fines and legal fees. The ill-conceived program was structured in such a way that it failed to comply with insurance laws in many of the states in which it sold policies. That has resulted in fines, policy cancellations, lawsuits and even civil charges.

Yesterday, the NRA settled pending civil charges with the state of New York alleging they sold insurance there without a license. The NRA agreed to pay a $2.5 million fine and not to sell insurance products in the Empire State for five years.

From US News and World Report:

The settlement resolved charges over the NRA’s two-decade relationship with insurance broker Lockton Cos, including the sale of 28,015 policies to New Yorkers and the NRA’s receipt of more than $1.8 million in associated royalties and fees.

Linda Lacewell, the state insurance superintendent, said Lockton’s NRA-branded “Carry Guard” program illegally offered policyholders coverage for criminal defense costs and the “intentional” use of firearms in shooting incidents.

She also accused the NRA of misleading gun collectors, dealers, instructors, clubs and shows by promising coverage at the “lowest possible cost,” when the group typically kept between 13.7% and 21.9% of premiums paid.

All in all, the settlement is probably a win for the NRA. A $2.5 million fine is a relative pittance compared to what they’ve sunk into legal fees defending themselves against states like New York, Washington and others over sales of Carry Guard policies.

From 2000 to 2018, the NRA worked with the Lockton Affinity Series of Lockton Affinity, LLC to offer insurance products to NRA members, their families and affiliated businesses in New York. The NRA received “substantial” compensation, including royalties based on insurance premiums. That means the NRA acted as an insurance producer under New York law, requiring the organization to be licensed, according to the DFS.

As for agreeing not to sell any new policies in the state for five years, that’s not a problem. The NRA finally pulled the plug on Carry Guard over a year ago when it became evident how ill-conceived and how big a potential liability that albatross of a program was.

From the Washington Post:

“The DFS inquiry, which began with a roar, ends with a whimper,” William A. Brewer III, counsel to the NRA, said in an email. “The consent order contains no admissions by the NRA, and no NRA member money will fund this settlement.”

Uh huh. It’s not clear how paying the fine won’t involve any member dollars since money is fungible. Whatever the funding source, the NRA is no doubt only too happy to get this mess behind it as they continue to fight New York Attorney General Letitia James’ attempts to euthanize the Association.

The only winner in all of this has been — surprise! — the NRA’s ultra-expensive outside counsel William Brewer. That’s one scandal down and another dozen or so to go.



  1. avatar FedUp says:

    A $2.5 million fine is a relative pittance compared to what they’ve sunk into Wayne LaPierre’s wages, retirement and kickback schemes…

    1. avatar My2cents says:

      They could take that out of WLP’s clothing allowance.

  2. avatar tsbhoa.p.jr says:

    ascent of the phoenix.
    kind of resembles a turkey vulture, tho.

  3. avatar d says:

    How can an org that pays 10 of millions to attorneys annually not know that they needed an insurance license in each state to sell insurance???????????????????

    1. avatar d says:

      Thats millions in fines that will be paid from donor money that is not going to the mission that it was donated to.

    2. avatar Miner49er says:

      “How can an org that pays 10 of millions to attorneys annually not know that they needed an insurance license in each state to sell insurance?“

      Don’t you get it?

      it was a con from day one.

      I would be interested in testimonials from the people who actually utilized the insurance and filed a claim, Surely out of the 28,000 in New York State there was one who filed a claim? Or across the United States?

      1. avatar James Campbell says:

        Well whiner, after we finish up proving the massive leftarded cheating in the election and get Trump his 2nd term, US gun owners will look into the NRA issues. Thanks for the heads up “brother in arms”.

        Oh, your not even a gun owner? WTF are you even here lamenting over?

        Trump/Pence 2020

        1. avatar James Campbell says:

          Dance monkey, dance for the bloombucks.

          Trump/Pence 2020😆

    3. avatar Docduracoat says:

      The problem is not that they did not have insurance license.
      New York State forbids insurance to cover “intentional actions”.
      Armed self-defense is an intentional action .
      Therefore insurance for armed self-defense is forbidden in New York State.

      All of the other ” Carry insurance” products from other companies are actually prepaid legal plans, not insurance .
      So they are not regulated by the various insurance commissioners in the different states.

  4. avatar James Campbell says:

    NRA Carry Guard was not very good when I shopped carry insurance a few years ago.
    US Law Shield and Firearms Legal Protection were/are much better.

    Trump/Pence 2020

    1. avatar Thixotropic says:

      ACLDN was my choice.

      Most cost effective and VERY HIGHLY RATED.

      “This Great Reset is destined to fail because those who planned it do not understand that there are still people ready to take to the streets to defend their rights, to protect their loved ones, to give a future to their children and grandchildren.”
      Archbishop Carlo Maria Viganò

  5. avatar TommyGNR says:

    Wayne must go.

  6. avatar Dude says:

    Let’s pretend for a moment that WLP is a stand up guy. This failure alone is enough reason for him to step down.

  7. avatar napresto says:

    I have to be honest: what with the insane rants and the ALL CAPS headings, reading this comment section is a lot like reading through my junk email folder. I think we can do better, folks.

    1. avatar Matt Richardson says:

      It’s been pretty bad as of late…

      1. avatar jwm says:

        The trolls are destroying this site. Which is what they want. Unfortunately the current management here is apparently not able to counter this onslaught.

        1. avatar James Campbell says:

          Is it too much to require an Avatar for posting on TTAG?

          It would stop all the anonomous “shape shifting” leashed chimps.

          Trump/Pence 2020

        2. avatar Miner49er says:

          “The trolls are destroying this site.”

          Yes, by posting actual facts that threaten the treasured delusions of the right wing gun nuts on this forum.

          And the trolls as it were, are not the ones who are advocating violence and death.

          It’s the regulars on this forum who are declaring war on their political opponents and discussing strategic and tactical options for hanging elected officials and others they disagree with.

          Your unhinged calls for violence do not advance the cause of the POTG, and only give more ammunition to those who advocate for stricter gun control.

        3. avatar James Campbell says:

          LOOK EVERYONE…..ANOTHER pile of BS from whiner…….

          “Your unhinged calls for violence”

          I do nothing but defend my right to bear arms, open and concealed.
          Recognition of my right to defend family and property with deadly force is NOT “unhinged calls for violence” you flaming moron!

          Slojoe wants to “unite the US”?
          OK. When his “party” and policies respects the Constitution and rule if law, I will respect his leadership.

        4. avatar James Campbell says:

          Whiner, the early years…….

  8. avatar Smitty says:

    F this website!
    It was so much better when Robert F ran it.
    This is all just the troll Miner49er show now.

    1. avatar Serpent_Vision says:

      Agree. Less partisan political ranting and a tighter focus on guns.

      1. avatar Sam I Am says:

        ” Less partisan political ranting and a tighter focus on guns.”

        Politics is everything; everything is politics. Nothing about guns escapes politics.

        If you want a pure gun channel:

  9. avatar 2020sight says:

    Hey that’s real impressive. Now go ahead and send me another membership request where I get a free plastic pen if I join. I’ll get right on it.

  10. avatar GS650G says:

    I like how they use the word intentional. It shows how they view POTG as killers bent or shooting people.

  11. avatar American Patriot says:

    I don’t know how the NRA is getting there money these days…..But I know they will never see another penny the rest of my life time! Just another bunch of Rhino’s posing as conservatives, the Mitt Romney’s of the gun world.

  12. avatar Green Mtn. Boy says:


    “Little Wayne La Pew Pew’s disastrous Carry Guard insurance program, which has since ceased operation, has cost it tens of millions of dollars in fines and legal fees. The ill-conceived program wasn’t structured in such a way as to comply with insurance laws in many of the states in which it sold policies. ”

    Negotiating Rights Away strikes or should I say fails yet again, if nothing else WLP guidance could best be described as ill-conceived.
    Not Another Penny !

  13. avatar A-Argh15 says:

    Carry Guard was ill-conceived, at best.

    Even worse, I remember when a longtime vendor at the annual NRA show was screwed over – USCCA was informed with zero advance notice literally the evening before the show was to open, that their floor space was being given to someone else. Then NRA announced Carry Guard the next day.

    I never did hear if USCCA was refunded their deposit money. For certain, they lost money from useless hotel reservations, airplane tickets, booth materials shipping costs, etc.

    1. avatar Manse Jolly says:

      Yes, I remember that. Thought it was low down.

      1. avatar Miner49er says:

        Yes, just more of the wealthy elitists at the NRA, it was a con job from day one.

        Initially, I was surprised that most of the POTG did not recognize the carry guard con.

        But then I reflected on how easily they were fooled by NYC city slicker con artist Donald Trump, and I realized Wayne Lapierre knew his target rubes as well as Donald Trump did.

        “I love the poorly educated, they’re so easily snookered” DJ T

  14. avatar former water walker says:

    Geez and there’s still folks shilling for the NRA. In another life I sold insurance where fiduciary responsibility is a thing…how the “leader’s” blundered on this is beyond the pale. My NRA membership ended on June 1 never to be renewed.

  15. avatar MAGA says:

    That 2.5 million dollar settlement is just over 3 months’ salary for Wayne LaPierre (He collects a 7 million per year salary.)

  16. avatar Sam I Am says:

    Wait. What?

    Does this mean Letitia isn’t going to dismantle NRA? Did Wayne buy her an apartment?

    1. avatar enuf says:

      Nope. Criminal investigations on other matters are continuing.

      1. avatar Sam I Am says:

        “Nope. Criminal investigations on other matters are continuing.”


  17. avatar Kendahl says:

    Carry Guard was an inherently flawed program regardless of its legality. It was a reimbursement program after you won in court rather than a pay-up-front program that provided the funds you needed to win in court. Losing after a righteous shooting, because your personal pockets weren’t deep enough to pay for good lawyers, meant that Carry Guard didn’t have to pay you a dime. When Carry Guard was announced, I expected that it would be a good program because the NRA would have done its homework. What a disappointment!

    1. avatar Sam I Am says:

      “Carry Guard was an inherently flawed program regardless of its legality. It was a reimbursement program…”

      Isn’t that the core of “insurance”? Suffer a loss and the insurance company reimburses you up to the limits of the policy?

      As I understand the latest information, it wasn’t the “insurance program” (reimbursement) that was the problem, but that NRA was acting as an insurance company illegally.

  18. avatar NRA, Now Relinquish Arms program in which you pay them to give up your rights! says:

    W. Lapew is a disgrace of a self appointed snake oil salesman that rakes in cash of unsuspecting patriots to line his net worth! Got $$$uits ? How about a mansion or two Wayne? In others names of course! Join 2A foundation for life for less than five years of this shitshow! They’re like the dems used to be! But now all about themselves! Wrong is wrong.

  19. avatar Bigus Dickus says:

    Carry Guard was the worst of the carry “insurance” programs out there. The ones that are excellent and worth a crap are essentially attorney-on-retainer programs like CCW Safe.

    CCW Safe IS NOT and “insurance policy” and does not behave like insurance, instead the monthly or annual fee gets you legal coverage that pays up front. Carry Guard was a week scam, and NRA hoped to sell the shit out of it because NRA’s name was associated with it.

    Complete crap and no loss whatsoever.

  20. avatar War says:

    The NRA is doing exactly what they’re supposed to do, they are the battleships and the Destroyers, draw all the attention of the gun haters, while the USS Enterprise GOA and Firearms Protection Agency go in for the kills…. and the NRA has reported record number of members….

    1. avatar Paul says:

      As a former Navy destroyerman, I find your comparison to be silly as hell. A battleship has never been comparable to a destroyer, for starters. And, destroyers have their own missions that only sometimes overlap with the missions of aircraft carriers, cruisers, or battleships. In fact, destroyers are handed missions because a carrier would be totally inappropriate – that is, a carrier cannot perform the missions that a destroyer can. Maybe you can stick to television for your analogies in the future?

      1. avatar Sam I Am says:

        In current times, the term “destroyer” has lost all meaning (and maybe even by late WW2). Which rational navy spends a billion dollars on a ship designed to be lost in battle (destroyer)? Today’s destroyers are capital ships (not to mention frigates(?) and LCS [Little Crappy Ships] ).

        Suspicious of bureaucracies as I am, seems identifiers for small ships applied to todays less-than-CV vessels is designed to make Congress (and the public) think the requested ships are small, and inexpensive.

        If you were a TinCan Sailor of history, all I can say is, “Wow”. What a ride you must have had.

  21. avatar Nemo1948 says:

    All you NRA bashers need to wake up and smell the TRUTH! Lockton Insurance was at fault for the NY mess, NOT the NRA. Lockton assured the NRA that the insurance was good-to-go in NY.

    By-the-way, it was LOCKTON that paid the $2.5M fine, not the NRA.

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