Liability Insurance for Gun Owners, and Gun Manufacturers

[mike_c]

152. if you operate your automobile illegally, and cause an injury or property loss...

...your liability coverage does indeed pay, at least to the limits of your policy. It is not at all true that "no insurance policy covers liability for criminal acts." Any insurance company can cover your liability for criminal acts and many do-- the price just goes up considerably, commensurate with your likelihood of committing illegal acts or otherwise incurring liability. As an interesting aside, that means that gun liability insurance would only be expensive if its purchasers are, as a group, likely to incur liability. But rest assured, insurers will sell you a policy for any liability you're likely to incur, at a price that reflects their estimation of your likelihood of incurring it. And with the number of gun owners in America, the risk pool, and its associated profit pool, would be immense. Of course, so is the potential liability-- but why should society as a whole bear the social cost of gun fetishes?