AN ACT RELATING TO INSURANCE -- LIABILITY INSURANCE (Requires individuals who own firearms to obtain and continuously maintain a policy of liability insurance in an amount of not less than $1,000,000 dollars and exempts active duty law enforcement and military from this requirement.)

H8075

2026 -- H 8075
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LC005713
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STATE OF RHODE ISLAND
IN GENERAL ASSEMBLY
JANUARY SESSION, A.D. 2026
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A N A C T
RELATING TO INSURANCE -- LIABILITY INSURANCE

Introduced By:
Representatives Caldwell, Potter, Boylan, Knight, Carson, McEntee,
McGaw, Casimiro, Furtado, and Ajello

Date Introduced:
February 27, 2026

Referred To:
House Judiciary
It is enacted by the General Assembly as follows:
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SECTION 1. Chapter 27-7 of the General Laws entitled "Liability Insurance" is hereby
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amended by adding thereto the following section:
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27-7-8. Firearm ownership.

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(a) Any individual who owns a firearm shall obtain and continuously maintain a policy of
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liability insurance in an amount not less than one million dollars ($1,000,000) specifically covering
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any damages resulting from any negligent acts involving the use of such firearm while it is owned
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by such person. Failure to maintain such insurance shall result in the immediate revocation of such
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owner's registration, license and any other privilege to own such firearm.
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(b) For purposes of this section, a person shall be deemed to be the owner of a firearm if
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such firearm is lost or stolen until such loss or theft is reported to the police department or sheriff
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which has jurisdiction in the county, town or city in which such owner resides.
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(c) Any person who owns a firearm on the effective date of this section shall obtain the
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insurance required by this section within thirty (30) days of such effective date.
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(d) Evidence of insurance shall be kept where firearms are stored or when transported.
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(e) Proof of liability insurance shall be shown to law enforcement during a lawful
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encounter.
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(f) This requirement shall not apply to active duty law enforcement or active duty military
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personnel.
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(g) The department of business regulation is hereby authorized to promulgate rules and

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regulations necessary to carry out the provisions of this section.
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SECTION 2. This act shall take effect upon passage.
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EXPLANATION
BY THE LEGISLATIVE COUNCIL
OF
A N A C T
RELATING TO INSURANCE -- LIABILITY INSURANCE
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This act would require individuals who own firearms to obtain and continuously maintain
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a policy of liability insurance in an amount of not less than one million ($1,000,000) dollars. Active
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duty law enforcement and military are exempt from this requirement.
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This act would take effect upon passage.
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LC005713
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LC005713 - Page 3 of 3