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[procon]

137. I can't verify your claims.

In California there is no liability requirement:

However, no licensing authority may require an applicant to obtain liability insurance or pay any additional fees not otherwise authorized by law as a condition of the application for a license.

http://smartgunlaws.org/concealed-weapons-permitting-in-california/

This seems to be the case in most states as there is a new law working through congress that would make insurance a requirement.

House bill would require gun owners to have liability insurance

House Democrat Rep. Carolyn Maloney (N.Y.) has introduced a bill that would require gun owners to carry liability insurance.
...

The Firearm Risk Protection Act, unveiled Friday, would require gun buyers to have liability insurance coverage before being allowed to purchase a weapon, and would impose a fine of $10,000 if an owner is found not to have it.

http://thehill.com/regulation/243425-house-bill-would-require-gun-owners-to-carry-insurance

I see that you are more interested telling me that "Guns are routinely safety fired", like the mechanics of the object itself has more worth than human life. This does help your position, and that's a good thing, believe me.