[umgud]

$1,000,000 specifically covering any damages resulting from negligent or willful acts involving the use of such firearm while it is owned by such person.

I can't envision any insurance company paying for willfull or negligent acts with a firearm. It's hard enough getting coverage for stolen guns.

[airedale]

They do pay for negligent acts but it’s against the rules to pay for intentional acts. It creates a moral hazard. Standard exclusion.