NJ A475

Requires insurers authorized to sell homeowners, renters, excess liability, or personal liability insurance in New Jersey to offer firearm liability coverage as a purchasable option

Coverage applies to liability for bodily injury, death, and property damage arising from ownership, maintenance, operation, or use of a firearm carried in public

Minimum coverage limits: $100,000 for injury or death of one person per incident; $300,000 for injury or death of multiple persons per incident; $25,000 for property damage per incident

Applies to all applicable policies delivered, issued, executed, or renewed after the act's effective date