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Legislative Year: 2024 Change

Bill Detail: HB24-1270

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Title Firearm Liability Insurance Requirement
Status Senate Second Reading Laid Over to 05/08/2024 - No Amendments (05/07/2024)
Bill Subjects
  • Crimes, Corrections, & Enforcement
  • Health Care & Health Insurance
  • Insurance
House Sponsors S. Woodrow (D)
I. Jodeh (D)
Senate Sponsors C. Hansen (D)
House Committee Business Affairs and Labor
Senate Committee State, Veterans and Military Affairs
Date Introduced 02/13/2024

The bill requires firearm owners to maintain a liability insurance
policy that covers losses or damages to a person, other than the
policyholder, who is injured on the insured property as a result of any
accidental or unintentional discharge of the firearm (firearm liability
insurance). Failure to maintain a firearm liability insurance policy is a
civil infraction. A first offense is punishable by a minimum $500 fine,
half of which may be suspended if the person has obtained firearm
liability insurance. A second offense within 5 years of a prior offense is
punishable by a minimum $1,000 fine.
The bill permits a person who was denied firearm liability
insurance by 2 or more insurers or a person who is indigent and cannot
afford the insurance to petition a court for an order declaring that the
person is excused from the firearm liability insurance requirement. The
court shall issue the order if it finds that the person is likely to behave
prudently and safely in the storage, carrying, and use of a firearm and that
the person has a gun safe or other secure container to store the firearm.
The requirement to maintain firearm liability insurance does not apply to
a person who holds a valid court order declaring the person is excused
from the requirement.
The bill requires an insurer to make available to an applicant the
opportunity to include in a homeowners or renters insurance policy
coverage that satisfies the firearm liability insurance requirement. An
insurer may deny firearm liability coverage to an applicant based on the
insurer's individualized assessment of the risk related to covering the

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