Gun liability coverage might not be as hard to find as consumers may think

In late January, a California city council voted to require gun owners to carry liability insurance, believed to be the first measure of its kind in the United States, according to the Associated Press.

While gun liability policies are not required in Washington state, they have attracted attention because Commissioner Kreidler took action against several organizations that were selling policies that violated state laws.

Our advice to consumers all along has been: gun liability policies themselves are not illegal — it’s the way certain companies were marketing and underwriting them that was illegal.

If you are interested in a policy, we advise gun owners to talk to their insurance agent or broker. That is the best way to make sure you are buying a legal policy.

Here are some considerations:

  • Most homeowner policies cover injuries due to negligence (liability). Check your policy — unless it specifically excludes injuries involving weapons or firearms, you might be covered. You should talk to your agent or broker if you have questions about your policy.
  • If you are a renter or if your homeowner policy excludes weapons or firearms, an agent or broker can help you find a standalone policy that covers weapons are firearms liability.
  • Beware of organizations that include liability insurance as part of a “membership” or “club” fee. Those types of policies often do not comply with state laws and rules around insurance.

Find a licensed agent or broker on our website.



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WA State Office of the Insurance Commissioner

WA State Office of the Insurance Commissioner

Washington state Insurance Commissioner Mike Kreidler regulates the insurance industry and protects insurance consumers.