In this task, you are given text for US Congressional and California state bills, your task is to generate a summary for this bill.
One example: SECTION 1. LIABILITY OF BUSINESS ENTITIES PROVIDING USE OF FACILITIES
TO NONPROFIT ORGANIZATIONS.

(a) Definitions.--In this section:
(1) Business entity.--The term ''business entity'' means a
firm, corporation, association, partnership, consortium, joint
venture, or other form of enterprise.
(2) Facility.--The term ''facility'' means any real
property, including any building, improvement, or appurtenance.
(3) Gross negligence.--The term ''gross negligence'' means
voluntary and conscious conduct by a person with knowledge (at
the time of the conduct) that the conduct is likely to be
harmful to the health or well-being of another person.
(4) Intentional misconduct.--The term ''intentional
misconduct'' means conduct by a person with knowledge (at the
time of the conduct) that the conduct is harmful to the health
or well-being of another person.
(5) Nonprofit organization.--The term ''nonprofit
organization'' means--
(A) any organization described in section 501(c)(3)
of the Internal Revenue Code of 1986 and exempt from
tax under section 501(a) of such Code; or
(B) any not-for-profit organization organized and
conducted for public benefit and operated primarily for
charitable, civic, educational, religious, welfare, or
health purposes.
(6) State.--The term ''State'' means each of the several
States, the District of Columbia, the Commonwealth of Puerto
Rico, the Virgin Islands, Guam, American Samoa, the Northern
Mariana Islands, any other territory or possession of the
United States, or any political subdivision of any such State,
territory, or possession.
(b) Limitation on Liability.--
(1) In general.--Subject to subsection (c), a business
entity shall not be subject to civil liability relating to any
injury or death occurring at a facility of the business entity
in connection with a use of such facility by a nonprofit
organization if--
(A) the use occurs outside of the scope of business
of the business entity;
(B) such injury or death occurs during a period
that such facility is used by the nonprofit
organization; and
(C) the business entity authorized the use of such
facility by the nonprofit organization.
(2) Application.--This subsection shall apply--
(A) with respect to civil liability under Federal
and State law; and
(B) regardless of whether a nonprofit organization
pays for the use of a facility.
(c) Exception for Liability.--Subsection (b) shall not apply to an
injury or death that results from an act or omission of a business
entity that constitutes gross negligence or intentional misconduct,
including any misconduct that--
(1) constitutes a crime of violence (as that term is
defined in section 16 of title 18, United States Code) or act
of international terrorism (as that term is defined in section
2331 of title 18) for which the defendant has been convicted in
any court;
(2) constitutes a hate crime (as that term is used in the
Hate Crime Statistics Act (28 U.S.C. 534 note));
(3) involves a sexual offense, as defined by applicable
State law, for which the defendant has been convicted in any
court; or
(4) involves misconduct for which the defendant has been
found to have violated a Federal or State civil rights law.
(d) Superseding Provision.--
(1) In general.--Subject to paragraph (2) and subsection
(e), this Act preempts the laws of any State to the extent that
such laws are inconsistent with this Act, except that this Act
shall not preempt any State law that provides additional
protection from liability for a business entity for an injury
or death with respect to which conditions under subparagraphs
(A) through (C) of subsection (b)(1) apply.
(2) Limitation.--Nothing in this Act shall be construed to
supersede any Federal or State health or safety law.
(e) Election of State Regarding Nonapplicability.--This Act shall
not apply to any civil action in a State court against a business
entity in which all parties are citizens of the State if such State
enacts a statute--
(1) citing the authority of this subsection;
(2) declaring the election of such State that this Act
shall not apply to such civil action in the State; and
(3) containing no other provision.
Solution is here: Shields a business entity from civil liability relating to any injury or death occurring at a facility of that entity in connection with a use of such facility by a nonprofit organization if: (1) the use occurs outside the scope of business of the business entity; (2) such injury or death occurs during a period that such facility is used by such organization; and (3) the business entity authorized the use of such facility by the organization.
Makes this Act inapplicable to an injury or death that results from an act or omission of a business entity that constitutes gross negligence or intentional misconduct, including misconduct that: (1) constitutes a hate crime or a crime of violence or act of international terrorism for which the defendant has been convicted in any court; or (2) involves a sexual offense for which the defendant has been convicted in any court or misconduct for which the defendant has been found to have violated a Federal or State civil rights law.
Preempts State laws to the extent that such laws are inconsistent with this Act, except State law that provides additional protection from liability. Specifies that this Act shall not be construed to supersede any Federal or State health or safety law.
Makes this Act inapplicable to any civil action in a State court against a business entity in which all parties are citizens of the State if such State, citing this Act's authority and containing no other provision, enacts a statute declaring the State's election that this Act shall not apply to such action in the State.
Explanation: This Bill focuses on shielding business entities from civil liability relating to an injury or death depending on the conditions of injury, hence the generated summary is correct.

Now, solve this: SECTION 1. SHORT TITLE.

This Act may be cited as the ''Life Insurance Fairness for
Travelers Act of 2005''.

SEC. 2. AMENDMENTS TO TRIA.

The Terrorism Risk Insurance Act of 2002 (Public Law 107-297; 116
Stat. 2322) is amended by adding at the end the following new title:

''TITLE IV--FAIRNESS FOR LIFE INSURANCE PURCHASERS

''SEC. 401. CONGRESSIONAL FINDINGS AND PURPOSES.

''(a) Findings.--The Congress finds that--
''(1) life insurance companies are increasingly using the
future plans of Americans to engage in lawful foreign travel as
a reason to either deny persons life insurance or to charge
premiums that are not commensurate with the risk of such
travel; and
''(2) that such denials of insurance and disproportionate
premiums may deter Americans from purchasing insurance that
they and their families may need.
''(b) Purpose.--The purpose of this title is to establish uniform
rules relating to the use of foreign travel as a factor in setting life
insurance eligibility and rating.

''SEC. 402. PROHIBITION AGAINST DISCRIMINATION IN LIFE INSURANCE
POLICIES BASED ON FUTURE FOREIGN TRAVEL PLANS.

''(a) In General.--It shall be unlawful for any insurer to deny any
person life insurance, or to otherwise discriminate in the issuance,
cancellation, amount of coverage, or conditions of life insurance,
based upon the intent of such person to engage in future lawful foreign
travel.
''(b) Insurance Rates.--It shall be unlawful for any insurer to
charge rates for life insurance which are excessive or unfairly
discriminatory in relation to the actuarial risk associated with future
lawful foreign travel of such person.

''SEC. 403. ADMINISTRATIVE ENFORCEMENT.

''(a) State Enforcement.--In addition to such other remedies as are
provided under State law, the chief law enforcement officer of a State,
or an official or agency designated by a State, may bring an action to
enjoin any person who has violated or is violating this title.
''(b) Enforcement by the Secretary.--The Secretary shall enforce
this Act in any State that the Secretary determines does not have a
comparable State law or a law that the Secretary has determined is not
inconsistent under section 405.

''SEC. 404. EFFECT ON STATE LAWS.

''(a) In General.--This title does not annul, alter, or affect, or
exempt any insurer subject to the provisions of this title from
complying with the laws of any State with respect to the use of
prospective lawful foreign travel for the purposes of underwriting or
rating life insurance except to the extent that such laws are
inconsistent with any provision of this title and then only to the
extent of the inconsistency. The Secretary is authorized to determine
whether such inconsistencies exist. The Secretary may not determine
that any State law is inconsistent with any provision of this title if
the Secretary determines that such law gives greater protection to the
insured.
''(b) State Exemptions.--The Secretary shall, by regulation, exempt
from the requirements of this title any class of insurance transactions
within any State if the Secretary determines that under the law of that
State that class of transaction is subject to requirements
substantially similar to those imposed under this title or that such
law gives greater protection to the consumer, and that there is
adequate provision for enforcement.

''SEC. 405. DEFINITIONS.

''In this title, the following definitions shall apply:
''(1) Insurer.--The term 'insurer' means any entity,
including any affiliate thereof, that is licensed or admitted
to engage in the business of providing life insurance in any
State.
''(2) Insured.--The term 'insured' means any natural person
who purchases, or attempts to purchase, life insurance.
''(3) Life insurance.--
''(A) In general.--The term 'life insurance' means
insurance for which the probabilities of the duration
of human life or the rate of mortality are an element
or condition of insurance.
''(B) Included insurance.--Such term includes the
granting of--
''(i) endowment benefits;
''(ii) additional benefits in the event of
death by accident or accidental means;
''(iii) disability income benefits;
''(iv) additional disability benefits that
operate to safeguard the contract from lapse or
to provide a special surrender value, or
special benefit in the event of total and
permanent disability;
''(v) benefits that provide payment or
reimbursement for long-term home health care,
or long-term care in a nursing home or other
related facility;
''(vi) burial insurance; and
''(vii) optional modes of settlement of
proceeds of life insurance.
''(C) Exclusions.--Such term does not include
property and casualty insurance, health insurance or
workers compensation insurance.
''(4) Secretary.--The term 'Secretary' means the Secretary
of the Treasury.

''SEC. 406. REGULATIONS.

'' The Secretary shall issue regulations to carry out the purposes
of this title.

''SEC. 407. APPLICABILITY.

''This title shall apply to any policy for life insurance coverage
issued, renewed, altered, or modified or canceled after the expiration
of the 6-month period beginning on the date of the enactment of the
Life Insurance Fairness for Travelers Act of 2005.''.

SEC. 3. TIMING OF REGULATIONS.

The Secretary of the Treasury shall issue the regulations required
by section 406 of the Terrorism Risk Insurance Act of 2002, as added by
section 2 of this Act, not later than the expiration of the 6-month
period beginning on the date of the enactment of this Act.

SEC. 4. TECHNICAL AMENDMENT.

The table of contents in section 1(b) of the Terrorism Risk
Insurance Act of 2002 (15 U.S.C. 6701 note) is amended by adding at the
end the following new items:

''TITLE IV--FAIRNESS FOR LIFE INSURANCE PURCHASERS

''Sec. 401. Congressional findings and purposes.
''Sec. 402. Prohibition against discrimination in life insurance
policies based on future foreign travel
plans.
''Sec. 403. Administrative enforcement.
''Sec. 404. Effect on State laws.
''Sec. 405. Definitions.
''Sec. 406. Regulations.
''Sec. 407. Applicability.''.
Solution:
Life Insurance Fairness for Travelers Act of 2005 - Amends the Terrorism Risk Insurance Act of 2002 to make it unlawful for any insurer to: (1) deny any person life insurance, or to otherwise discriminate in the issuance, cancellation, amount of coverage, or conditions of life insurance, based upon the person's intent to engage in future lawful foreign travel; and (2) charge rates for life insurance which are excessive or unfairly discriminatory in relation to the actuarial risk associated with future lawful foreign travel of such person.

Provides for administrative enforcement of this Act by either: (1) the chief law enforcement officer of a state, or an official or agency designated by a state; or (2) the Secretary of the Treasury.