Firearm ownership comes with inherent risks, regardless of how careful you are. A firearm liability insurance plan can provide peace of mind to those who enjoy recreational shooting, hunting, or target practice.Source : https://protectwithbear.com/pages/ccw-insurance

Lawmakers across the country have proposed laws that would require gunowners to have liability insurance for their firearms. This insurance is designed to protect you in the event that a third party is injured or their property is damaged because of an incident involving your firearms. These types of policies do not cover incidents that are intentionally or illegally done, such as armed robbery, murder, or assault.

Firearm Liability Insurance Plans: What’s Included

Aside from legal cases that arise from criminal and intentional incidents, it is also possible to be sued by family members or friends who are injured by a firearms related incident, even if you were acting in self-defense. This type of lawsuit can cost tens of thousands of dollars, and having this coverage will help to financially protect you in the event that a lawsuit is filed.

Most homeowners and renters insurance policies include property and liability coverage for the accidental discharge of firearms in their policy. In addition, some insurers offer an additional liability insurance policy specifically for firearm owners. While some people worry that purchasing this type of insurance will drastically increase their homeowners or renters insurance premiums, the truth is that a variety of factors, including the age and location of your home, the crime rate in your area, and deductibles and copayments, drive homeowner’s and renter’s insurance rates.