Minnesota HF4820 mandates firearm owners to obtain and maintain liability insurance, imposes criminal penalties for non-compliance, and establishes a.

Minnesota HF4820 requires individuals who own firearms to obtain and maintain firearm liability insurance, covering damages from negligent or accidental discharge. The insurance must have minimum coverage of $250,000 per occurrence. Failure to obtain or maintain such insurance is a misdemeanor, with a higher penalty for repeat offenses. Insurers must collect a surcharge on firearm liability insurance policies, which is deposited into a gun harm reduction account. The law exempts law enforcement and active military personnel while on duty. The provisions take effect January 1, 2027.

Minnesota HF4820 mandates firearm owners to obtain and maintain liability insurance, imposes criminal penalties for non-compliance, and establishes a.

Minnesota HF4820 requires individuals who own firearms to obtain and maintain firearm liability insurance, covering damages from negligent or accidental discharge. The insurance must have minimum coverage of $250,000 per occurrence. Failure to obtain or maintain such insurance is a misdemeanor, with a higher penalty for repeat offenses. Insurers must collect a surcharge on firearm liability insurance policies, which is deposited into a gun harm reduction account. The law exempts law enforcement and active military personnel while on duty. The provisions take effect January 1, 2027.