Mandatory Firearm insurance?

back to the original topic of insurance , the gun club /range I belong to includes liability insurance as part of your membership and it includes incidents involving firearms being lawfully transported in your {or another members } vehicle , this makes it very cost effective and shuts up the idiots . We have a large membership but most don't actually use the facilities as club membership is a requirement for owning and transporting restricted firearms -handguns and short barreled semi-auto rifles , so of course there is a very large number of people who just pay the annual dues in order to keep the clowns happy .