2nd, this is a dumb idea. Gun addicents of all types rarely break 600 events yearly. If you're limiting to people with a CCW who require insurance, premiums would be about $50 a decade. Then you add in states taht have castle doctrines that make legal defense shootings immune from civil prosecution, and the system effectively fails. Then there is the illegalness of it, because it's just like a literacy test or ID requirement for voting. Adding steps to the process of exercising a right that do not serve a demonstrable purpose (I.E. every gun control law ever written), are unconstitutional.