I can’t make rhyme or reason all this talk about making gun owners buy insurance.
For what? In most places and cases, they have civil and criminal legal immunity for the self-defense usage of firearms. In the cases they don’t use their firearms for legitimate or legal purposes, the criminal punishment will be far worse their worry than any civil lawsuits.
The only thing I can think of is that the Republican Party and the insurance industry have a relatively cozy relationship. The Democrats know this, and are using this as political bargaining fodder or log rolling fodder of some sort.