They Tried to Cancel Christian Warrior Training Over What I Teach: Right to Bear Saved Us.

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An insurance underwriter put it in writing this summer:

“It is a hard no, even if just in classroom. We do not intend to cover being told it is ok to use any weapon or how to use one.”

Not live fire. Not force on force. Not putting a gun in anyone’s hand. Being told. A church security instructor standing in a classroom, explaining when the law allows a man to defend his congregation, is conduct that carrier will not touch. That sentence came from RSUI’s underwriter, relayed to me in writing by my broker on July 10, after I asked whether the weapons exclusion on their quote could be amended. I have the email. I will show it to you in the video that goes with this article.

That quote is the end of the story. Here is the beginning.

Five clean years, then one honest answer

Graves and Associates has carried professional liability and general liability since July of 2021. Five years, zero claims, premiums paid on time. This spring the renewal quote came in at $3,621 and I did what I teach every one of you to do with any contract: I read the whole policy before signing. I found a terrorism exclusion that appeared to apply across every insuring clause, no cyber coverage at all, and a business activities description that did not clearly include the instructor training courses I plan to launch. So I asked six questions in writing before binding. Would a negligence claim be covered if a church I trained were attacked. What does the terrorism endorsement actually restore. Does the policy cover instructor certification.

The carrier’s answer was to pull the renewal entirely. Their stated reason, word for word: “Given the significant changes to the risk profile, including hands-on training, potential safety and evasion guidance, general security advisory services, and product sales, together with our review of the additional website, the account unfortunately now falls outside of our underwriting appetite.”

Safety and evasion guidance. Teaching people how to not die put me outside their appetite. They offered me an extension to August 1 for another $157 so I could go find somebody else.

Everybody said no

My broker marketed the account to the standard carriers: Liberty Mutual, The Hartford, Nationwide, Guard, Travelers. Every one declined. The nature of the business was outside their appetite. She went to the surplus lines markets, the specialty carriers that exist specifically for hard risks. Higher premiums, declines, or blocked submissions. A firearms industry program I applied to directly denied the application. By July 15 my broker told me plainly that she had reached the end of the companies she could approach. The one general liability quote she could secure came from RSUI, and it carried the weapons exclusion you read at the top of this article. When I asked if the exclusion could be removed for classroom instruction with inert training aids, laser trainers and blue plastic guns, nothing that fires anything, the answer was the hard no.

Some of you are thinking there must be more to it. A claim, a lawsuit, something in the file. There is not. Five years, zero losses, and the loss runs to prove it. What changed was that I told the truth on a renewal application about where this ministry is headed. Honesty is what triggered all of it, and I would do it again, because a policy bound on an incomplete application is worse than no policy at all. Buried in the conditions of that same policy was an application warranty stating that any misrepresentation or non-disclosure renders the policy null and void and relieves the carrier of all liability. Plenty of trainers in this industry are paying premiums right now on policies their carriers would void the day a claim arrived, because the application never mentioned what they actually teach.