Then the question becomes, will I have to have liability insurance to own and operate a gun.
Only if you think that your gun can get together with another gun, and the two of them can go on a rampage through town all by themselves...
Has your gun ever gone off on its own with other guns and gone on a rampage?
Well- if your gun has a procilvity to exit your property without assistance, and go terrorize/victimize/kill your neighbors all on it's own (as in without human assistance), then yes, maybe you need liability insurance to own guns....
But as I have never had one of my guns let itself out of the house to run loose in the neighborhood threatening folks....
"Then the question becomes, will I have to have liability insurance to own and operate a gun."
Wow, it must be a really smart gun. It can run down the street and kill someone.
If you have a habit of shooting people, you need more then insurance :P