S T A T E   O F   N E W   Y O R K
 ________________________________________________________________________
 
                                   5611
 
                        2025-2026 Regular Sessions
 
                           I N  A S S E M B L Y
 
                             February 18, 2025
                                ___________
 
 Introduced  by M. of A. LUCAS -- read once and referred to the Committee
   on Insurance
 
 AN ACT to amend the insurance law, in relation to  requiring  owners  of
   firearms to obtain liability insurance
 
   THE  PEOPLE OF THE STATE OF NEW YORK, REPRESENTED IN SENATE AND ASSEM-
 BLY, DO ENACT AS FOLLOWS:

   Section 1. The insurance law is amended by adding a new  section  2354
 to read as follows:
   §  2354.  FIREARM  OWNERS  INSURANCE POLICIES. 1.   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 RESULT-
 ING FROM ANY NEGLIGENT ACTS INVOLVING THE USE OF SUCH FIREARM  WHILE  IT
 IS OWNED BY SUCH PERSON. 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.
   2. FOR PURPOSES OF THIS SECTION, A PERSON SHALL BE DEEMED  TO  BE  THE
 OWNER  OF A FIREARM IF SUCH FIREARM IS LOST OR STOLEN UNTIL SUCH LOSS OR
 THEFT IS REPORTED TO THE POLICE DEPARTMENT OR SHERIFF WHICH  HAS  JURIS-
 DICTION  IN  THE  COUNTY,  TOWN,  CITY  OR  VILLAGE  IN WHICH SUCH OWNER
 RESIDES.
   3. ANY PERSON WHO OWNS A FIREARM ON THE EFFECTIVE DATE OF THIS SECTION
 SHALL OBTAIN THE INSURANCE REQUIRED BY THIS SECTION WITHIN  THIRTY  DAYS
 OF SUCH EFFECTIVE DATE.
   4.  THE  PROVISIONS OF THIS SECTION SHALL NOT APPLY TO ANY PEACE OFFI-
 CER, AS DEFINED IN SECTION 2.10 OF THE CRIMINAL  PROCEDURE  LAW,  POLICE
 OFFICER,  AS  DEFINED  IN SUBDIVISION THIRTY-FOUR OF SECTION 1.20 OF THE
 CRIMINAL PROCEDURE LAW, OR ANY MEMBER OF THE MILITARY WHO IS ON  "ACTIVE
 DUTY" OR "IN ACTIVE MILITARY SERVICE OF THE UNITED STATES" AS DEFINED IN
 SECTION ONE OF THE MILITARY LAW, WHO IS AUTHORIZED TO CARRY A FIREARM.
 
  EXPLANATION--Matter in ITALICS (underscored) is new; matter in brackets
                       [ ] is old law to be omitted.
                                                            LBD08250-01-5
 A. 5611                             2
              

 
   5.  THE  DEPARTMENT  IS  HEREBY  AUTHORIZED AND DIRECTED TO PROMULGATE
 RULES AND REGULATIONS NECESSARY TO CARRY  OUT  THE  PROVISIONS  OF  THIS
 SECTION.
   §  2.  This  act shall take effect on the ninetieth day after it shall
 have become a law. Effective immediately, the addition, amendment and/or
 repeal of any rule or regulation necessary  for  the  implementation  of
 this  act on its effective date are authorized  to be made and completed
 on or before such effective date.