Then pray tell what exactly are you asking? Which insurance company is best to go with in the event you accidentally draw your firearm in an illegal manner, and accidentally discharge a round and potentially injure or otherwise kill an innocent bystander because you did not actually intend to shoot them?
Not me. But anyone that corners me or my family in a violent assault had better carry life insurance.
The assailant's family might benefit. Instead of carry insurance for honest CC folks, I think criminals should be forced to take out insurance for their criminal enterprises. The anti-gun fanatics should write them policies.
Families of criminals aren't liable and any insurance claim would be ineligible for claim if a criminal used a gun in a crime. Start removing body parts from repeat violent criminals...that would mitigate violence from those with violent tendencies.