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After a record-breaking year for mass shootings, the country calls for gun control or arming more people with guns abound. There are also calls for requiring gun owners to have liability insurance; unfortunately, it is not that easy. No insurance policy is going to provide coverage for intentional acts. Insurance is a transfer of risk, and the risk must be from a fortuitous loss, not a deliberate action. An insured cannot set his house on fire and expect the insurance to cover it, although there are those who try. Such actions are arson and insurance fraud.

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