H8075 • 2026

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.)

Firearms

Passed Legislature

This bill passed both chambers and reached final enrollment, even if later executive action is not shown here.

Sponsor: Caldwell, Potter, Boylan, Knight, Carson, McEntee, McGaw, Casimiro, Furtado, Ajello
Last action: 2026-04-08
Official status: Committee recommended measure be held for further study
Effective date: Not listed

Plain English Breakdown

Using official source text because the generated explanation was unavailable or could not be confirmed against the official bill text.

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.)

What This Bill Does

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.)

Limits and Unknowns

This entry is temporarily using official source text because the generated explanation could not be confirmed against the official bill text during the last sync.

Bill History

2026-04-08 Committee
Committee recommended measure be held for further study
2026-04-01 Rhode Island General Assembly
Scheduled for hearing and/or consideration (04/08/2026)
2026-02-27 Rhode Island General Assembly
Introduced, referred to House Judiciary

Official Summary Text

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.)

Current Bill Text

Read the full stored bill text

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