New York Department of Financial Services (DFS) has served charges against the National Rifle Association (the NRA) for violating the state's insurance laws. DFS alleges that the NRA, which has no insurance license in New York, acted as an insurance producer without a license, endorsing and marketing insurance programs. One such program is "NRA Carry Guard," launched in 2016 which is self-touted as "America's most comprehensive coverage and training for those who carry a gun."

DFS also alleges that the NRA participated in misleading marketing practices that deceived its members. The DFS statement, released on February 5th, alleges that since 2000, the NRA has worked with the Kansas City Series of Lockton company to offer a variety of insurance products to the members of the NRA, their families, and their affiliated businesses. The NRA endorsed Carry Guard, and marketed it to NRA members through NRA websites and email lists and received compensation and royalties based on a percent of the premiums paid.

The Carry Guard coverage was particularly egregious because it offered insurance primarily to firearms owners with concealed carry permits to provide coverage that is unlawful in New York State, including defense costs in a criminal prosecution and other losses and costs associated with the aftermath of the purposeful use of a firearm. These types of intentional acts can't be insured under New York law. DFS fined Lockton $7 million in 2018 for serving as the administrator of Carry Guard.