NJ S425

New Jersey insurers offering homeowners, renters, excess liability, or personal liability insurance must make firearm liability coverage available as an optional purchase.

Coverage applies to 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, and $25,000 for property damage per incident.

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

Pre-filed for introduction in the 2026 legislative session, sponsored by Senator Brian P. Stack (District 33, Hudson County).