I would get carry insurance regardless of any umbrella policy. I use US Law Shield. Great coverage.
What he said. You want to reluctant to show or use a firearm in self-defense. Doing so will change your life, and not for the better.
Question. Do the carry insurance companies just cover lawyers expense for criminal charges or will they cover civil liability trials as well? These days the process is the punishment and even people involved in clear cut cases of self defense often face large civil suits.
Post 2.... good advice