This appeared recently in the TD:
"I’d like to make a comparison between two public health issues — vehicular and firearm deaths and injuries.
In 2013, 32,719 people died in automobile-related accidents and many more were injured. Fortunately, because we require people to have liability insurance on their cars, those people who are killed or injured are compensated through this liability insurance. The car owner pays a premium based on the type and number of cars he owns. You only have to purchase insurance if you own a car.
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So, why can’t we do the same with gun ownership? Why shouldn’t gun owners be held accountable for any injuries or deaths that occur as a result of the guns they own?
The insurance would be based on the number and type of firearms owned. Insurance companies might decide to require firearm safety classes as they have done with driving instruction for young and elderly drivers. Insurance companies might also require that firearms be in locked cabinets, especially if small children are in the home.
However this new insurance would evolve, it seems clear to me that it could have an impact on the prevalence of guns and their irresponsible use in this country. The requirement for insurance would in no way limit firearm ownership, and would certainly ensure that gun owners were responsible and accountable for ownership just as automobile owners are responsible and accountable for their car ownership."
Firearm deaths are divided into three categories -- murders and homicides, suicides and accidents.
Murders and homicides are caused by criminals. Does any rational person believe a criminal will carry such insurance, or that an insurance company would offer such. Most life insurance policies don't pay out for suicide. Again, would an insurance company issue such insurance? Firearms accidents cause less than 700 deaths annually. One may obtain insurance for such, but requiring insurance nationally for such a small number of fatalities appears a bit much.
I would suggest insurance for some who regularly carry legal weapons to protect against lawsuits from criminals injured and left wing state attorneys who believe in punishing those who have the temerity to protect themselves from criminals.