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New York · 2025-2026 General Assembly
S05974Requires 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%
Imposes a new insurance mandate on firearm owners (with exemptions for law enforcement and military) and deems owners responsible for lost or stolen firearms until reported, adding regulatory requirements that limit unrestricted ownership.
Failure to maintain such insurance shall result in the immediate revocation of such owner's registration, license and any other privilege to own such firearm.
Why the model tagged it this way: The bill adds a new section to the insurance law that mandates liability insurance for firearm owners, directly addressing firearms industry-liability and other regulatory aspects by increasing costs and compliance burdens for ownership, which restricts the axis of ability to own firearms. No provisions address transgender, abortion, or immigration-enforcement topics.
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