Massachusetts Gun Owners May Need Liability Insurance
Under the proposed gun control legislation, individuals applying for gun permits in Massachusetts would have to show proof of firearms insurance.
The bill’s sponsor State Rep. David Linsky compares the change to requiring that car owners have auto insurance before registering their vehicles.
Robert Gilbert is President of Dowd Insurance Agencies,”In terms of current coverage available, in the insurance industry if you have a homeowners policy or renters policy accidental shootings are covered under the liability section of the policy,” says Gilbert.
Gilbert says your homeowners or renters policy covers a wide range of liability issues ranging from accidents on trampolines for example to people getting sick on the food you prepare,”If you have a dog and they accidentally bite somebody you have coverage, you hit a golf ball and unfortunately you slice it and hit somebody you have coverage, and if you’re hunting and you accidentally shoot somebody instead of an animal then you would have coverage,” says Gilbert.
Gilbert says the purpose of insurance is to cover the accidental and unintended events.
And if you don’t have insurance now?,”If our government goes through and mandates insurance, people who don’t have it would have to buy some kind of homeowners or renters policy,” says Gilbert.
As for insurance for an on-purpose event that is not an accident, that’s a different story,”So if the government wants to buy a policy to cover on-purpose events, they’re just not available,” says Gilbert.