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San Jose Gun Owners May Soon Be Required to Carry Liability Insurance

San Jose Gun Owners May Soon Be Required to Carry Liability Insurance

Updated 1/26/22
The votes are in! USA Today reported that San Jose voted Tuesday night (Jan. 25) to require gun owners to carry liability insurance in what’s believed to be the first measure of its kind in the United States.

San Jose is the first city to pass such a law and more cities will likely follow. XINSURANCE will be here to provide gun liability insurance for gun owners of San Jose as well as most other states!

Originally posted 7/6/2021
For the first time ever, a United States city is trying to require liability insurance for gun owners. San Jose wants to require gun owners to carry liability insurance and pay the city a fee to spare taxpayers the financial toll of gun violence. This proposed law has not yet been approved the city attorney is expected to bring the draft ordinance to the council in September for a vote. Some details are still being worked out, like how much the fee would cost every year, who should be exempt, how soon will the gun owners have to get insurance, and insurance requirements. Source: Mercury News

San Jose, California will probably not be the only city to consider this new law as gun violence increases in the United States. Finding a firearms and concealed carry a liability insurance policy that actually covers you, especially when a lawsuit, claim, or incident occurs, can be difficult to find. Fortunately, XINSURANCE is here to provide the solution.

About XINSURANCE and Firearms Liability Insurance

If you’re a San Jose resident who owns a gun, we can help you if this law gets approved.

First and foremost, XINSURANCE stands behind its customers. We offer insurance protection, a partnership approach, and a defense if you are named personally in a lawsuit.

Responsible people like you who are licensed to own a firearm understand that it is imperative to have a safety and liability protection plan in place. Traditional insurance policies can severely limit or exclude coverage when handling a firearm, which could leave you exposed to serious individual liability risks.

XINSURANCE is Powered By Evolution Insurance Brokers, LC (“EIB”), an excess and surplus lines insurance brokerage, specializing in liability insurance solutions for businesses and individuals who are in need of insurance. If you’ve been declined, canceled, non-renewed, or have a claims history, we can help you! With primary, excess, and umbrella coverage available in all 50 states, we provide true peace of mind.

Firearms & Concealed Carry Coverages

Available coverages include firearms liability (open and concealed carry), legal liability (accidental discharge), bond payment, and civil suit defense.

We also offer legal defense provided up until a court of competent jurisdiction enters a finding of guilt, at which time no further coverage is available under the policy and we will seek reimbursement for the cost of the legal defense.

Be Prepared and Get Started Today!

If you live in San Jose and need a liability insurance policy for your firearm(s), please head over to our Firearm & Concealed Carry Liability Insurance page to learn more and request a quote.

This policy is not just for San Jose, remember, XINSURANCE can provide firearms liability insurance solutions in all 50 states!


Rick LindseyReviewed by Rick Lindsey, President, Chairman, and CEO of XINSURANCE

Rick Lindsey hails from Salt Lake City, Utah. He began working in the mailroom of his father’s Salt Lake City insurance firm, getting his introduction to the business that became his lifelong career. Lindsey quickly rose through the ranks while working in nearly every imaginable insurance industry job. As an entrepreneur, specialty lines underwriter, claims specialist, risk manager, and a licensed surplus lines broker, Rick Lindsey is highly skilled in all levels of leadership and execution. As he progressed on his career path, Rick discovered an urgent need for insurers willing to write policies for high-risk individuals and businesses. He was frequently frustrated that he could not provide the liability protection these entities desperately needed to safeguard their assets. He also formed the belief that insurance companies acted too quickly to settle frivolous claims. Lindsey decided to try a different approach. He started an insurance company and became the newly formed entity’s CEO. This opportunity has enabled Rick to fill a void in the market and provide a valuable service to businesses, individuals, and insurance agents who write high-risk business. XINSURANCE also specializes in helping individuals and businesses who live a lifestyle or participate in activities that make them difficult for traditional carriers to insure. If you’ve been denied, non-renewed, or canceled coverage, don’t give up quite yet. Chances are XINSURANCE can help.