NJ Governor Makes It Nearly Impossible For Gun Owners To Get Insurance

New Jersey Gov. Phil Murphy signed an executive order making it almost impossible for gun carriers to get insurance.

Trenton, NJ – The New Jersey governor issued an executive order in September that effectively banned the sale of insurance products that provide liability coverage to gun owners making it virtually impossible for concealed carry holders in New Jersey to get coverage.

Governor Phil Murphy’s order specifically said the state should, within 30 days, take all appropriate action “to prohibit and/or limit the sale, procurement, marketing, or distribution of insurance products that may serve to encourage the improper use of firearms,” according to a press release from the governor’s office.

As a result of the edict, the U.S. Concealed Carry Association (USCCA) announced in early October that it would have to “pull their services off the shelf for New Jersey gun owners," ConcealedCarry.com reported.

USCCA is not an insurance company, but the organization does offer concealed-carry liability insurance to its members in the event they are compelled to use their weapons in self-defense.

The problem is that states like New Jersey want to regulate organizations like USCCA because they list their membership as “beneficiaries” of their coverage, the press release explained.

And for that reason, they’re regulated by the state much like an insurance company.

That means that USCCA had no choice but to pull out of New Jersey or risk doing battle with the state’s Attorney General’s Office.

The governor’s press release proudly touted a consent order for a $1 million fine against one such company that had encouraged “the improper use of firearms,” according to New Jersey’s standard.

“Last week, the New Jersey Department of Banking and Insurance announced that Lockton Affinity, LLC agreed to pay a $1 million fine as part of a consent order with the department for administering a National Rifle Association-sponsored insurance program in violation of state insurance laws,” the release said. “An investigation by the department found that Kansas-based Lockton Affinity violated various state laws and regulations in administering the Carry Guard insurance program in New Jersey on behalf of the NRA. Offering an insurance product marketed by the NRA that encourages firearm use is a serious violation of public policy and today’s executive order takes steps to limit such policies’ availability in the State.”

Carry Guard insurance was created and marketed to be self-defense coverage for lawful gun carriers but anti-gun activists labeled it “murder insurance” and that’s exactly how the state treated it, according to NJ Spotlight.

Murphy’s executive order also directed state officials to ask all gun makers or retailers to reveal whether they have adopted best practices to reduce gun violence, and to find out how they screen for straw purchasers, firearms traffickers, and people who have been banned from owning or purchasing firearms, the Wall Street Journal reported.

“This is not intended at day one to be an adversarial act,” the governor said. “This is to express a broad statement of principles and values that matter to us deeply.”

The governor’s office said the New Jersey Department of Banking and Insurance would scrutinize all liability insurance offered in the state that encouraged the improper use of firearms.

However, the executive order did not define what the state considered “improper use of firearms” other than its obvious objection to concealed carry.

The National Shooting Sports Foundation (NSSF) said that Murphy’s executive order exceeded the governor’s authority by trying to regulate interstate commerce, the Wall Street Journal reported.

“The governor views licensed and law-abiding small businesses that are just trying to earn a living, and are engaged in the commerce of a constitutionally protected product [as] somehow the problem,” NSSF General Counsel Lawrence Keene said.

New Jersey State Treasurer Elizabeth Maher Muoio stood behind the governor’s executive order and called it “using the power of our purse strings to set an example for others,” the press release said.

“The executive order being signed today will ensure that taxpayer dollars are being used wisely to procure goods and services from companies that act responsibly when it comes to firearms and ammunition and to create an opportunity for local and county governments who want to follow our lead,” Muoio said.

Comments (47)
No. 1-29
CraigBatt
CraigBatt

NJ MUST DEFINE IMPROPER USE?

LEO0301
LEO0301

Sounds like using an end around to circumvent the Constitution. We really are getting closer to the citizens revolting against governments like the one in NJ.

flybynight
flybynight

NJ a great place not to live!!!!

AnnykaV
AnnykaV

Shall. Not. Be. Infringed.

Hi_estComnDenomn
Hi_estComnDenomn

This doesn't read like a gun control issue. It reads like a state warning to have insurance companies act like and be subject to the same regulations as any other insurance company.

JBo
JBo

Huh?

"...insurance products that may serve to encourage the improper use of firearms..."

I haven't seen any insurance products that encourage policy holders to improperly use anything...cars, firearms, health, home. I don't think they would be in business long. Just a guess.

navajowinds99
navajowinds99

NRA and legal gun owners file a lawsuit against the NJ govenor and state.

tkshields
tkshields

another democrat using his office to force his beliefs on people does he not have insurance on his guards

cspcapt
cspcapt

take this to the court, California has moved to the east coast

Grog
Grog

Who is "encouraging the improper use"???????? Using a firearm for self defense is the PROPER use of a firearm!

HFD120
HFD120

This from the same state that 5 years ago arrested an active duty US Army officer in transit to assignment at Ft. Dix. He was stopped for traffic violation, while in uniform, and asked if he had weapons. Informed them he had his M16 in back of vehicle in a case. (Note: His family was in the vehicle with him). He was arrested for prohibited weapon. Overreach/overreaction. All the mob business in the past and the haz mat fumes must have rotted their brains.

Fabgrunt
Fabgrunt

Wow. So by NJ standards, improper use of a firearm is legal concealed carry and legal self defense. This looks to me to be illegal infringement of rights, and illegal infringement of interstate commerce. Would they ban liability insurance of all drivers because some drivers drink and drive and have accidents? Just another attempt by the left to persecute and harass legal gun owners. 🤬🤬🤬

Cduncanf
Cduncanf

“This is not intended at day one to be an adversarial act,” the governor said. What kind of Alice in Wonderland statement is that? It is completely adversarial to concealed carry gun owners and the Second Amendment, not to mention the interstate commerce clause.

JG001
JG001

Willing to bet this gets smacked down by the courts ....

IseeWhereThisIsGoing
IseeWhereThisIsGoing

It's nearly impossible for a non-LEO to get a CCW permit in NJ. So I think this will actually affect only a small amount of people.

Anomie88
Anomie88

New Jersey is just a dirty rest stop on your way to a conservative state.

BanditOne
BanditOne

Well they'll all be safer thanks to this liberal. Now the poor criminals won't be able to rob, kill, kidnap, do home invasions, etc., thanks to this because they can't afford the insurance and we all know they follow the laws and dare to commit murder if they are not legally in possession of a gun. Maybe he'll make an exception for criminals to get free carrying insurance so they can stay employed by legally killing everyone, because untimely he just wants to punish law abiding citizens.

junkmansj
junkmansj

Welkome to the DEMOKRATIK REPUBLIK OF NEW JERSEYSTAN

ArizonaG30
ArizonaG30

Anybody in NJ smart enough to start a RECALL

flippant
flippant

Can't we just ""Tar and Feather him and run him out on a rail?

Dan S
Dan S

My friends in NJ soak this crap up. These laws are to appease the sheep that NJ residents have become, not legal gun owners. Glad I left.

RPG156
RPG156

Because NJ will be a safer state with fewer legal gun owner without liability insurance. Liberal logic engaged...

Burgers Allday
Burgers Allday

I don't like this at all.

Bubo
Bubo

Another Attempt at an End Run around the Constitution and the 2ND amendment. Fucking Liberals Have their Armed Bodyguards, but we cannot Protect ourselves. I'm Moving to Texas

psydewinder
psydewinder

Nothing new. Just about everything you buy has disclaimers about use/sale in California, just add New Jersey to the list.

widbill45acp
widbill45acp

This is a backdoor attack on your rights, to do lawfull business for legal purposes, the right to defend yourself, and the tools to do so. Socialists hate freedom, and this law is just a glimmer of what is to come.

Grampsdeal
Grampsdeal

That's discrimination.

Shastabeau
Shastabeau

I've bought fire insurance.......does that mean I'm going to be reckless and burn my house down? Does having insurance mean that you're going to shoot someone? This is another step toward communism with one more rule forced on law abiding citizens choice! Calif has already made it illegal......kind of tells you which direction we're going!