Where in the constitution does it say "thou shalt not license"?
For one, the Constitutional powers of the government don't come from what isn't in the Constitution, but what is expressly granted in the Constitution. I can't find any power to license a right, can you?
Second, in both Murdock v Pennsylvania and in Watchtower v Village of Stratton SCOTUS affirmed that it is unconstitutional to require licensing to exercise a right.
Liability, both personal and corporate. (you wouldn't believe what the corporate insurance costs for my business)
Liability insurance requirement
“Though well intentioned, such proposals misunderstand a fundamental principle of insurance—that it is designed to cover fortuitous, or accidental events; not intentional conduct. Property/casualty insurance does not and cannot cover intentional behavior such as criminal acts,” said Willem O. Rijksen, vice president of public affairs for the American Insurance Association.
According to Jimi Grande, senior vice president of federal and political affairs for the National Association of Mutual Insurance Companies, gun liability insurance measures would neither deter violence nor help victims.
“Liability coverage is designed to protect against accidental damages, most of which involving guns would be covered under a homeowner’s insurance policy. While some policies may provide coverage for liability stemming from the intentional use of a firearm for defensive purposes, no liability insurance product covers intentional acts of malicious violence, whether committed with a gun, a car, or any other instrument that is used as a weapon to deliberately harm people,” said Grande. “It is inconceivable that any insurer would offer such coverage, either as part of a homeowners or renters policy or on a stand-alone basis.”
Congress appears ready to take up gun control legislation for the first time in years, with proposals under consideration focusing on background checks,
www.insurancejournal.com
Many home insurance companies (like Amfam) don't increase premiums for gun ownership. In fact, they may not even require homeowners to disclose whether they own a firearm or plan on owning one in the future. The only way coverage would increase is if you select the aforementioned insurance rider for your collection.
If you own a firearm, you may be wondering how homeowners insurance providers view them. Learn more about gun and firearm coverage under homeowners policies from American Family Insurance.
www.amfam.com
