al carry firearm liability products have a variety of names but all provide legal defense and indemnity coverage for gun owners who use firearms to protect themselves or others. The policies may provide a defense of civil suits for covered acts and also criminal proceedings. The named insured, spouse and household members under the age of 21 are generally considered insureds. Important services may be provided such as access to a toll-free hotline and counseling sessions. If a firearm that is stolen from an insured or that has been lost, defense coverage may be provided for vicarious liability suits brought against the insured if that firearm is later used to commit a crime.