Should Gun Owners Be Required To Carry Liability Insurance? 
From the practical point of view only , the answer is no -LRB- but even this answer ca n't be separated from the politics as much as I would like -RRB- . I suspect that your question is hinged in some political viewpoint so I will avoid the political implications . Now , should people insure for the liability they have the potential to create ? In that case , I say YES . It is common sense from how I think . That said , however , most gun owners I know and have insured during my career are law-abiding , conscientious citizens and they buy liability insurance that will likely apply in one extent or another to non-intentional events with a gun and these policies will likely pay the amounts and events permissible by policy language . I know of no policy language in personal liability policies that prohibits paying for injuries caused to another while hunting , or of damage to the property of others caused by non-intentional and unintended discharge of the gun . However , I would hazard to say that it would n't be long before carriers would react to reduce and eliminate their exposure if our politics insisted upon coverage or attempted to mandate coverage . It is well understood that the gun wo n't shoot without the act of some human to make it work . -LRB- Except for Google -RRB- Cars wo n't drive without drivers . Legal , responsible gun owners are not the people we read about in the news . Note : Applying this answer to a business or commercial enterprise is unwise and my answer was directed towards a personal application . Different answers apply in the case of a business out of necessity . 