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Bill

A 3376

Relates to requiring liability insurance for owners of firearms, rifles and shotguns

2025 Regular Session Introduced by Chris Burdick and 4 co-sponsors

Requiring firearm owners to carry liability insurance, linking ownership to proof of coverage and potentially raising premiums, with enforcement and compliance rules to follow.

REFERRED TO INSURANCE
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WeVote Research Nonpartisan
Bill Summary · A 3376

Summary of New York A 3376 — Liability Insurance for Firearm Owners

Bill at a Glance

  • Bill Number: A 3376
  • Title: Relates to requiring liability insurance for owners of firearms, rifles and shotguns
  • Status: Referred to the Assembly Committee on Insurance
  • Introduced: January 27, 2025
  • Legislative Actions: On January 27, 2025, the bill was referred to the Insurance committee (listed twice in the provided actions).
  • Primary Sponsor: Jeffrey Dinowitz
  • Cosponsors: Chris Burdick, Phara Souffrant Forrest, David Weprin, Anna Kelles
  • Related Bills: A 3314 (prior-session)

What the Bill Would Do

  • The core aim of A 3376 is to require liability insurance for owners of firearms, including pistols, rifles, and shotguns.
  • The bill would establish a statutory framework for possessing firearms contingent on compliance with a liability insurance requirement.
  • The specific parameters—such as minimum coverage limits, types of allowable policies, exemptions, and enforcement mechanisms—are not provided in the summary available here. The formal text would delineate these details.

Key Provisions (As Outlined by Available Information)

  • Public-facing description indicates a mandate that firearm owners maintain liability insurance to cover damages or injuries arising from firearm use.
  • The bill would presumably outline:
    • Coverage requirements (minimum limits and covered risks)
    • Exemptions (e.g., certain entities, types of ownership, or usage)
    • Administrative processes (proof of insurance, renewal, and lapse penalties)
    • Enforcement (responsibilities of authorities and potential penalties for noncompliance)
    • Effective date and transition rules

Note: The exact language, thresholds, and enforcement provisions are not included in the provided overview. The official bill text would provide the precise details.

Who Would Be Affected

  • Primary Impact: Owners of firearms, rifles, and shotguns who would be required to maintain qualifying liability insurance.
  • Secondary Impact: Insurance providers issuing firearm-related liability policies, as well as state agencies responsible for enforcement and compliance monitoring. Retailers and ranges that facilitate firearm ownership may also be indirectly affected through compliance processes.

Procedural and Timeline Aspects

  • Introduced in committee on January 27, 2025.
  • Referred to the Assembly Committee on Insurance, indicating the bill is moving through the standard review process to assess feasibility, financial impact, and policy considerations.
  • No further actions are listed in the provided information; future steps could include committee hearings, amendments, and floor votes.

Related Legislation

  • A 3314 (prior-session): Noted as related, suggesting there may be prior or parallel proposals addressing firearm insurance or related liability considerations.

Potential Impacts and Considerations

  • Could increase costs for firearm ownership due to required insurance premiums.
  • May influence liability risk management for gun owners and shape insurance market offerings for firearm-related policies.
  • Policy goals likely aim to enhance public safety by ensuring financial responsibility for potential damages or injuries, though the exact balance of costs and benefits would depend on the bill’s concrete provisions.

Next Steps

  • Review the full bill text to understand coverage levels, exemptions, penalties, and implementation timelines.
  • Monitor committee activity and potential amendments as the bill progresses through the legislative process.

Compiled from official sources — confirm details with the bill’s official record.

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