Minnesota HF4820: Individuals who own firearms required to obtain and maintain liability insurance, criminal penalties imposed, and firearm liability insurance surcharge imposed.

What the bill says

A bill for an act relating to commerce; imposing criminal penalties; requiring individuals who own firearms to obtain and maintain liability insurance; imposing a firearm liability insurance surcharge; proposing coding for new law in Minnesota Statutes, chapters 65A; 297I.

From the introduced text, March 27, 2026:

A bill for an act relating to commerce; imposing criminal penalties; requiring individuals who own firearms to obtain and maintain liability insurance; imposing a firearm liability insurance surcharge; proposing coding for new law in Minnesota Statutes, chapters 65A; 297I. Section 1. new text begin [ADDED: [65A.60] FIREARM LIABILITY INSURANCE.] new text end new text begin [ADDED: Subdivision 1.] new text end new text begin [ADDED: Definitions.] new text end new text begin [ADDED: (a) For purposes of this section, the following terms have the meanings given.] new text end new text begin [ADDED: (b) "Firearm" means an instrument designed for attack or defense that expels a projectile by the action or force of gunpowder, combustion, or some other explosive force.] new text end new text begin [ADDED: (c) "Insured" means an insured under a plan of firearm liability insurance.] new text end new text begin [ADDED: Subd. 2.] new text end new text begin [ADDED: Firearm liability insurance.] new text end new text begin [ADDED: (a) An individual who owns a firearm must obtain, and during ownership continuously maintain, a policy of liability insurance specifically covering any damages resulting from negligent or accidental discharge of a firearm resulting in death, injury, or property damage.] new text end new text begin [ADDED: (b) Under firearm liability insurance, the insurer must be …

Read the full official text

Sponsors

• Ginny Klevorn (D) · primary sponsor
• Patty Acomb (D)
• John Huot (D)
• Brad Tabke (D)
• Kelly Moller (D)

Latest actions

1. April 7, 2026: Introduction and first reading, referred to Commerce Finance and Policy

Common questions

What is HF4820?

HF4820 is a bill in the Minnesota Legislature (94th Legislature 2025-2026): Individuals who own firearms required to obtain and maintain liability insurance, criminal penalties imposed, and firearm liability insurance surcharge imposed.

What does HF4820 do?

In its own words: A bill for an act relating to commerce; imposing criminal penalties; requiring individuals who own firearms to obtain and maintain liability insurance; imposing a firearm liability insurance surcharge; proposing coding for new law in Minnesota Statutes, chapters 65A; 297I.

What is the status of HF4820?

In committee as of April 7, 2026. Latest action: Introduction and first reading, referred to Commerce Finance and Policy (April 7, 2026).

Who sponsored HF4820?

Ginny Klevorn (D), with 4 co-sponsors.

Where is the official record for HF4820?

On the Minnesota Legislature website: https://www.revisor.mn.gov/bills/bill.php?f=HF4820&y=2025&ssn=0&b=house