WA HB1504

Requires firearm owners to maintain liability insurance ($25,000 minimum per incident), a surety bond, self-insurance certificate (for those with 25+ firearms), or a $25,000 cash/securities deposit with the Department of Licensing for each firearm they purchase or possess

Mandates separate insurance policies, bonds, or certificates of deposit on a per-firearm basis, with proof required upon request by dealers or law enforcement; failure to provide proof is a class 1 civil infraction, and providing false proof is a misdemeanor

Exempts antique firearms, federal and Washington peace officers, and active-duty U.S. military members from the financial responsibility requirements

Requires for-profit firearm range operators to carry general liability insurance of at least $1,000,000 per incident; violation is a misdemeanor

Creates the firearm financial responsibility account in the state treasury to hold cash deposits, with interest earnings directed to the Department of Commerce for firearm safety and violence prevention programs; effective date January 1, 2027