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Firearms Legal Protection

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  1. #1
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    HB 4243 of 2023 - Provide for civil liability for a person who sells, delivers or transfers a firearm to a prohibited person

    HB 4243 of 2023
    Civil procedure: civil actions; civil liability for a person who sells, delivers, or transfers a firearm to a person prohibited from possessing a firearm; provide for. Creates new act.
    Last Action: 3/9/2023 bill electronically reproduced 03/09/2023
    Don't let yesterday use up too much of today - Will Rogers
    DISCLAIMER: The opinions expressed in my posts are my own and do not necessarily reflect the opinions, views, or official policies of Michigan Gun Owners.

  2. #2
    MGO Member MCPO_SOCM_RET's Avatar
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    Sec. 4. A person that is a firearms dealer shall maintain
    liability insurance that provides coverage for personal injury or
    property damage that results from the sale, delivery, or transfer
    of firearms by the person, including coverage for liability imposed
    by this act. The limits of the coverage required by this section
    must be not less than $1,000,000.00.


    What? A million? For each individual FFL? On top of the business insurance (BOP) you already have, you'd now need a separate policy for each FFL holder?
    Or am I reading this wrong?


    (c) "Firearms dealer" means a person that holds a federal
    firearms license
    and that is engaged in the business of selling
    firearms.

  3. #3
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    Quote Originally Posted by MCPO_SOCM_RET View Post
    Sec. 4. A person that is a firearms dealer shall maintain
    liability insurance that provides coverage for personal injury or
    property damage that results from the sale, delivery, or transfer
    of firearms by the person, including coverage for liability imposed
    by this act. The limits of the coverage required by this section
    must be not less than $1,000,000.00.


    What? A million? For each individual FFL? On top of the business insurance (BOP) you already have, you'd now need a separate policy for each FFL holder?
    Or am I reading this wrong?


    (c) "Firearms dealer" means a person that holds a federal
    firearms license
    and that is engaged in the business of selling
    firearms.
    Yep! First off, it is unknown if such insurance even exists. IF it does, it ain't cheap...and like any other business expense, the cost will be passed-through to the consumer. This is just another step in making purchasing a firearm as impractical/inconvenient/cost-prohibitive as possible for law abiding citizens.

    Meanwhile, those that shouldn't have firearms will get them by stealing them or buying off the street where such costs are irrelevant.
    Don't let yesterday use up too much of today - Will Rogers
    DISCLAIMER: The opinions expressed in my posts are my own and do not necessarily reflect the opinions, views, or official policies of Michigan Gun Owners.

  4. #4
    MGO Member MCPO_SOCM_RET's Avatar
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    Thanks Tom. Just making sure I understand it before I start my next letter, email, phone call.
    I'm going to need another legal pad for notes soon. Seems like there's something new every few hours.

  5. #5
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    Quote Originally Posted by PhotoTom View Post
    the cost will be passed-through to the consumer. This is just another step in making purchasing a firearm as impractical/inconvenient/cost-prohibitive as possible for law abiding citizens.
    Larger shops who can afford the up-front cost will happily pass it on to the consumer, meanwhile FFLs like myself will simply be forced to give up and shut down. Which of course is exactly what they want.

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