Require insurance on guns

Why should gun owners not be required to have liability insurance for their weapons like car owners are for their cars? Let insurance companies pay for the background checks and keep track of their customers guns and charge for it in the premiums. The insurance should pay for damage regardless of who fires the gun, just like with cars. It would be a start and the premiums on assault rifles and big ammo clips could make them prohibitive to own. Lax gun laws are just more corporate welfare.