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Maryland Senators Introduce Bill to Require Liability Insurance for Gun Owners

Bill would force gun owners to carry a minimum of $250,000 of coverage.

A bill that would require anyone who owns a firearm to have a minimum of $250,000 liability insurance is among a number of gun control measures recently introduced in the Maryland General Assembly.

Sens. Jamie Raskin (D-Montgomery County) and Bill Ferguson (D-Baltimore City) are the sponsors of Senate Bill 577, which would require anyone who owns a firearm to have a minimum of $250,000 of liability insurance. The bill is similar to legislation being proposed in Pennsylvania, California and Massachusetts.

The Baltimore Sun views the legislation as being “designed to harness market forces to keep guns out of the hands of dangerous people the same way the cost of car insurance can keep bad drivers off the road.”

How the mandated insurance would be implemented is unclear.

Robert Hartwig, president of the Insurance Information Institute in New York, told Reuters that "a legislature could in theory mandate gun liability coverage, but you cannot require insurers to offer that coverage."

“If insurers declined to offer coverage, states themselves might have to set up insurance liability programs," Hartwig said.

Raskin recently told The Gazette that “[the] NRA offers insurance to all its members, because accidents happen. Guns are so dangerous that everybody should be insured.”

The NRA offers a gun liability insurance policy to its members via Lockton Affinity.

KatieSilverSpring February 18, 2013 at 08:43 PM
OK, Sen. Raskin, so you will also require schizophrenics and those with bipolar mental illnesses to have insurance in case their illnesses drive them to commit "accidents" like, let's see, the massacres at Columbine, Newtown, Ft. Hood, even the killing of John Lennon and attempted assassination of Pres. Reagan? Unlike The Baltimore Sun's belief that insurance keeps bad drivers off the road, gun insurance will not prevent the deranged from obtaining guns to commit acts worked out in their unconnected minds. Address the real issue, stop the "privacy" works of the deinstitutionalization lobby and stay out of people's lives. You are there in Annapolis to work on governable areas not to modify the behavior of a free people. No recycling LAWS, no car-free zones, no wind mills, no gas-tax-to-make-us-walk-instead, no pretending to be "help" us in our selfish ways.
MarJo February 18, 2013 at 09:32 PM
Gun insurance won't prevent deranged people from doing anything, but it will prevent situations like Caleb Medley, shot in Aurora, no health insurance and faces $2 million in medical bills.
danny February 19, 2013 at 12:35 AM
Owning a tractor trailer I know the risks people are willing to take to try and collect on my high liability coverage.... I believe the same will happen to gun owners. This will only cause problems and "accidents".... Once again law abiding citizens are being punished and put into tough situations by tyrannical government

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