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New York · 2025-2026 General Assembly
A05611Requires owners of firearms to obtain liability insurance in an amount not less than one million dollars.
Direction
Firearmsindustry liabilityAI label
↓Restricts gun accessmodel confidence 90%
Requires firearm owners to obtain and maintain at least $1M in liability insurance covering damages from negligent use, with failure leading to revocation of ownership privileges, so increases financial responsibility and potential barriers for firearm ownership.
Any person in this state who shall own a firearm shall, prior to such ownership, obtain and continuously maintain a policy of liability insurance in an amount not less than one million dollars specifically covering any damages resulting from any negligent acts involving the use of such firearm while it is owned by such person.
✓ Quote verified word for word in the bill text
FirearmsotherAI label
↓Restricts gun accessmodel confidence 80%
Requires firearm owners to obtain and maintain at least $1M in liability insurance covering damages from negligent use, with failure leading to revocation of ownership privileges, so increases financial responsibility and potential barriers for firearm ownership.
Any person in this state who shall own a firearm shall, prior to such ownership, obtain and continuously maintain a policy of liability insurance in an amount not less than one million dollars specifically covering any damages resulting from any negligent acts involving the use of such firearm while it is owned by such person.
Why the model tagged it this way: The bill adds a new section to the insurance law mandating liability insurance for firearm owners (with exemptions for law enforcement and military), treating failure to maintain it as grounds for revoking ownership rights; this is classified under firearms/industry-liability as it imposes insurance requirements on owners that affect liability exposure for negligent acts, with a secondary tag for the broader firearms topic since it directly impacts ownership access.
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