So that talking point about gun liability insurance not insuring illegal acts...

[hardluck]

31. Its black letter law that you cannot insure intentional acts

For example, California Insurance Code section 533 states “
An insurer is not liable for a loss caused by the wilful act of the insured; but he is not exonerated by the negligence of the insured, or of the insured’s agents or others.”

533.5 provides “(a) No policy of insurance shall provide, or be construed to provide, any coverage or indemnity for the payment of any fine, penalty, or restitution in any criminal action or proceeding or in any action or proceeding brought pursuant to Chapter 5 (commencing with Section 17200) of Part 2 of, or Chapter 1 (commencing with Section 17500) of Part 3 of, Division 7 of the Business and Professions Code by the Attorney General, any district attorney, any city prosecutor, or any county counsel, notwithstanding whether the exclusion or exception regarding this type of coverage or indemnity is expressly stated in the policy.”

Intentional acts are not covered as against public policy because providing coverage give a perverse incentive to commit the act.

*sorry. This was meant for the OP