New Jersey Statutes

N.J. Stat. § 2C:58-4.3 (2026)

Liability insurance, handgun, public, carrying

✓ current as of May 2026

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4. a. Every private citizen who carries a handgun in public in this State shall maintain liability insurance coverage insuring against loss resulting from liability imposed by law for bodily injury, death, and property damage sustained by any person arising out of the ownership, maintenance, operation or use of a firearm carried in public wherein such coverage shall be at least in an amount or limit of $300,000, exclusive of interest and costs, on account of injury to or death of more than one person and for damage to property, in any one incident.

b. Proof of liability insurance, as required pursuant to subsection a. of this section, shall be produced by the person carrying a handgun in public, within a reasonable amount of time following any injury, death, or property damage alleged to have been caused by the person carrying the handgun in public. This requirement shall be satisfied by delivering a full and complete copy of the applicable policy or policies of insurance that meet the standards established by subsection a. of this section and that were in force at the time of the injury, death, or property damage.

Notwithstanding the provisions of this subsection, disclosure of policy information under this section shall not constitute an admission that the alleged injury, death, or property damage is subject to the policy.

Information concerning the insurance policy shall not be admissible as evidence at trial by reason of disclosure pursuant to this subsection. The disclosure shall be confidential and available only to the injured person, representative of the decedent, or owner of damaged property and the attorney representing the injured person, representative of the decedent, or owner of damaged property and personnel in the office of the attorney.

c. A violation of this section shall be a crime of the fourth degree and shall constitute full and sufficient grounds for revocation of a permit to carry a handgun issued pursuant to N.J.S.2C:58-4.

Notes of Decisions

Cited in 4 cases (4 in the last 5 years), 2025–2026 · leading case: Ronald Koons v. Attorney Gen. New Jersey (3rd Cir. 2025).

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Ronald Koons v. Attorney Gen. New Jersey (3rd Cir. 2025). · cites it 6× “Liability Insurance The Siegel Plaintiffs challenge the constitutionality of N.J. Stat. Ann. § 2C:58-4.3, which requires anyone who publicly carries a handgun in New Jersey to “maintain [at least $300,000 in] liability insurance coverage insuring against loss resulting from…”

Ronald Koons v. Attorney Gen. New Jersey (3rd Cir. 2025). · cites it 3× “Liability Insurance The Siegel Plaintiffs challenge the constitutionality of N.J. Stat. Ann. § 2C:58-4.3, which requires anyone who publicly carries a handgun in New Jersey to “maintain [at least $300,000 in] liability insurance coverage insuring against loss resulting from…”

State of New Jersey v. Jeludy Tavarez-Rodriguez (N.J. Super. Ct. App. Div. 2025). “2C:58-4(d)(4); N.J.S.A. 2C:58-4.3. After submission of the application, the chief or superintendent conducts the necessary background checks.”

State of New Jersey v. Jahmere Glover (N.J. Super. Ct. App. Div. 2026). “2C:58- 4(d)(4); N.J.S.A. 2C:58-4.3. In Wade, we explained: A defendant may raise a defense that the crime charged in an indictment or accusation "is based on a statute or regulation .”

— N.J. Stat. § 2C:58-4.3(a) — 2 cases

Ronald Koons v. Attorney Gen. New Jersey (3rd Cir. 2025). “Liability Insurance The Siegel Plaintiffs challenge the constitutionality of N.J. Stat. Ann. § 2C:58-4.3, which requires anyone who publicly carries a handgun in New Jersey to “maintain [at least $300,000 in] liability insurance coverage insuring against loss resulting from…”

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