The proposed bill, known as "The Charlotte A. Vacca Act," introduces a new chapter to Title 23 of the General Laws, focusing on vehicle barriers for commercial properties. It mandates that owners of commercial real estate must install vehicle barriers during any new construction of their retail establishments. The bill defines key terms such as "owner," "retail establishments," and "vehicle barrier," ensuring clarity on the responsibilities and scope of the legislation.

Additionally, the act encourages owners to install vehicle barriers at the locations of all their other retail establishments to protect persons and pedestrians on the property. It requires insurers to consider the installation of vehicle barriers as a safety measure and to provide or offer discounts on insurance covering damage or loss to the commercial real estate or liability arising from its ownership, maintenance, or use, relative to the reduced risk due to the installation of the vehicle barriers. Any discounts must be determined to be actuarially sound and approved by the insurance commissioner prior to their utilization by insurers. The act is set to take effect upon passage.