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New York · 2025-2026 General Assembly
A03376Requires liability insurance for owners of firearms, rifles and shotguns.
Direction
Firearmsindustry liabilityAI label
↓Restricts gun accessmodel confidence 90%
Requires all firearm owners to obtain and maintain liability insurance covering damages from negligent use, with failure leading to fines and revocation of ownership privileges, so increases financial responsibility and potential costs for owning firearms.
Any person in this state who shall own any firearm, rifle or shotgun as defined in section 265.00 of this chapter shall, prior to such ownership and prior to the issuance of a license under this article, obtain and continuously maintain a policy of liability insurance in such amount or amounts as determined by the superintendent of financial services specifically covering any damages resulting from any negligent acts involving the use of such firearm, rifle or shotgun while it is owned by such person.
✓ Quote verified word for word in the bill text
FirearmsotherAI label
↓Restricts gun accessmodel confidence 80%
Imposes a new requirement for liability insurance on firearm owners (with exemptions for law enforcement and military), enforced via the penal law with fines and license revocation for noncompliance, so adds a regulatory burden on firearm ownership.
Failure to maintain such insurance shall be a violation punishable by a fine of at least one hundred fifty dollars and not more than one thousand five hundred dollars and shall also result in the immediate revocation of such owner's registration, license and any other privilege to own or possess a firearm, rifle or shotgun.
Why the model tagged it this way: The bill adds a new section to the penal law mandating liability insurance for all owners of firearms, rifles, and shotguns (with limited exemptions), tying it to licensing and ownership with penalties including fines and revocation. This directly addresses firearms via industry-liability (owner liability insurance) and other (general ownership regulation), both restricting the axis by increasing barriers and costs to ownership. No other listed topics are substantively addressed.
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