It's actually kind of amazing that you are not already required to buy liability insurance for firearms.
[New York Rep. Carolyn] Maloney’s “Firearm Risk Protection Act” requires gun buyers to have “a qualified liability insurance policy” before they are able to legally purchase a firearm.
It also calls for the federal government to impose a fine as much as $10,000 if a gun owner doesn’t have insurance on a firearm purchased after the bill goes into effect. “It shall be unlawful for a person who owns a firearm purchased on or after the effective date of this subsection not to be covered by a qualified liability insurance policy,” the bill text reads.
The bill would also make it a federal crime to sell a firearm to anyone without insurance. “For too long, gun victims and society at large have borne the brunt of the costs of gun violence,” Maloney said as she introduced the legislation. “My bill would change that by shifting some of that cost back onto those who own the weapons.”
