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

This bill requires New Jersey insurance companies selling homeowners, renters, excess liability, or personal liability policies to offer firearm liability coverage as an optional add-on. The coverage must provide minimum limits of $100,000 per person injured or killed in one incident, $300,000 for multiple people injured or killed, and $25,000 for property damage. It applies to all such policies delivered, issued, or renewed in New Jersey on or after the bill's effective date. The requirement directly affects insurers authorized to sell these policy types within the state.