Requires certain insurance carriers to include firearm liability insurance as policy option.

This bill requires New Jersey insurance companies selling homeowners, renters, personal liability, or excess liability policies to offer firearm liability coverage as an optional add-on. It directly affects insurers authorized to sell these policies in the state. The coverage must provide minimum limits of $100,000 per person for injury/death, $300,000 for multiple injuries/deaths, and $25,000 for property damage arising from firearm use in public. The policy must be available on all new, renewed, or existing policies delivered in New Jersey after the bill takes effect. The bill takes effect immediately upon enactment.