Reply #44: If the risk is as low as you think, the rates for toters won't be much.

[Hoyt]

It is obvious, that the risk of a toter shooting an innocent bystander is much greater than the risk posed by a non-toter. Hence, insurance is a good idea.

By the way, what were those 160 convicted of in 2007? It wasn't protecting the public. Your link indicates 11% of the multiple killings were by licensed toters. That's a lot. Did you also notice that licensed toters had a lot of sexual assault convictions? What's with that? In any event, it is obvious the permit process is not keeping guns in public toters' pants. It will only get worse as more folks get permits, tote into bars, etc.