Gun Control & RKBA

Can be found at this website - https://mynrainsurance.com/insurance-products/liability-personal-firearms. Would cost me about $50 year for $100,000 in coverage. Notice that the coverage is very limited - it basically covers any accident while hunting or at a firing range but not any accidental (or intentional) shooting that might occur at the home.

Separately, there's a NRA-approved self-defense policy that costs $165 a year for $100,000 in coverage. This covers defense costs and bodily injury, although $100,000 in coverage will be gone in a hurry if you get sued. Again, this does NOT appear to cover injuries caused by negligence and of course none of these policies will cover suicide. In some instances this insurance is more than the cost of the firearm - are the taxpayers going to provide subsidies to help cover the cost of insurance for low-income individuals?

Would every criminal arrested with a gun be subject to this $10,000 fine and jail time if they can't pay it?

A law like this might pass in Los Angeles, maybe New York, but not likely to pass elsewhere and I wonder about its constitutionality.