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618.277.6650

Gun Owners Liability Insurance

Gun Owners and Conceal Carry Insurance in Belleville and Swansea, IL.

The legal use of firearms can lead to claims for damages that can be costly. At Steck-Copper we know how devastating unnecessary costs can be and we work to ensure that you don’t suffer them. Our policies provide legal defense coverage and liability protection for bodily injury and property damage.


Local laws, gun-collection habits, and other factors go into determining the best coverage for a gun owner, and we know them all well. We’ll help work with you to assess your needs and match these needs with coverages that keep you protected. We know that the least thing you deserve is to suffer unwarranted costs for being compliant with the law and keeping yourself safe.

Coverages for Any Scenario 

If the unthinkable happens and you’re forced to use your firearm in self-defense, you may have to go to court to prove that legal requirements for the use of deadly force were met. Appearing in court can be costly as one must pay for a lawyer or lawyers and other things. The costs one might incur can be in the tens of thousands of dollars and can represent significant financial losses.


You may face a civil lawsuit. If you do, costs can be even greater than a defense in a case related to the original incident. At Steck-Copper & Co. Insurance we take every possible scenario into account and develop policies based on the likelihood that you will face these scenarios.  We create policies based on our knowledge of this risk.


If you’re a homeowner and have a home insurance policy, you may have coverage that protects you at some level. We can work with this existing policy to give you the coverage you need as a gun owner. Illinois laws regarding gun ownership, concealment, and use are unique, and knowing these laws can help make coverage selection more effective. We’ll go over every factor in your situation to help you select the coverages that fit best.

How to Begin

At Steck-Copper we provide you with two levels of comprehensive coverage. There is variability at each level so that you policy is right for you. Find out about our coverage options HERE.

Required for Application:

Producer Name:  Steck-Cooper & Co.

Producer Number:  GUN1007

Coverage Options

We offer two levels of coverage: standard and premium. Each level provides personal liability, self-defense, and criminal defense reimbursement. Standard provides common liability limits and premium provides maximum liability limits. You can customize your plan so that it fits your needs. Just speak with an agent at Steck-Cooper to find out how to do this.

  • Standard Protection Plan - $149 per month
  • Personal liability - $100,000 in coverage for combined single limit bodily injury and property damage.
  • Self-defense - $100,000 in coverage for civil liability – legally-possessed firearm.
  • Criminal defense cost and expense reimbursement - $50,000
  • Premium Protection Plan - $249 per month
  • Personal liability - $250,000 in coverage for combined single limit bodily injury and property damage.
  • Self-defense - $250,000 in coverage for civil liability – legally-possessed firearm.
  • Criminal defense cost and expense reimbursement - $100,000

Gun Owners Liability Application 

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We’re proud to provide gun owners and conceal and carry insurance in Belleville, Swansea, O’Fallon, Fairview Heights, Shiloh, and Alton, IL. We also serve Missouri.

Our Location

Steck-Cooper & Co.

2810 Frank Scott Pkwy W Suite 804
Belleville, IL 62223
Main office: 618-277-6650

Our Providers

Accommodating, professional, helpful, and quick. Very comfortable experience and I was impressed by their capabilities. Highly recommended.
Brad M.
I feel lucky to have found an agent willing to provide this level of service. No need to look anywhere else!
Michelle D.
Over the years we’ve never once had to worry about our coverage. My husband and I are long-time customers and proud to be.
Carol S.
Surprisingly flexible and in-touch with my needs as a small business owner. Can’t ask for more.
Spencer F.
They have strong ties with the community, and it shows. It’s nice to do business with people that really show they care about you and your family.
Susan T.