Individuals who own firearms required to obtain and maintain liability insurance, criminal penalties imposed, and firearm liability insurance surcharge imposed.

Summary

The bill creates a new requirement that anyone who owns a gun in Minnesota must obtain and keep a liability insurance policy covering accidental or negligent discharges, with at least $250,000 per incident coverage. It also sets criminal penalties for failing to maintain the insurance, allows a surcharge on insurers, and directs the surcharge money to a gun‑harm reduction fund. The rule does not apply to law‑enforcement or active‑duty military acting in official capacity.

AI-generated summary — may be incomplete or inaccurate. Verify against the official bill text.

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