I've noticed on a lot of my favorite gun websites are starting to plug conceal carry insurance in case you have to discharge your firearm. Think very very carefully before you decide to start shelling out annual payments for a service you may not ever use. Statistically speaking you, you have a 1:325 (0.3%) chance in your lifetime of ever having to discharge your firearm in self defense. In the Portland Metro area that number is drastically even more remote. 1:875 (0.001142) according to insurance statistics. Many of these companies buy surplus lines of insurance (insurance not covered by regular policies) from Lloyds of London and then resell that policy to you at a markup. Because of the massively low probability of you ever having to retain such services in your lifetime, these policies are very inexpensive. I've seen some policies written for less than 3 dollars a month. Yet commercial "self defensive insurance" companies charge around 75-200 dollars a year for their services. If you HAVE to get insurance I suggest getting a specific policy underwritten yourself as opposed to going through a middleman. If it was me I would just put aside that money and retain a criminal defense attorney. Retainers are refundable.