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Carrying concealed does not pose an inherent danger to anyone either.
In fact:
"Combining Florida and Texas data, we find that permit holders are convicted of misdemeanors and felonies at less than a sixth of the rate for police officers.
Among police, firearms violations occur at a rate of 16.5 per 100,000 officers. Among permit holders in Florida and Texas, the rate is only 2.4 per 100,000. That is just 1/7th of the rate for police officers. But there's no need to focus on Texas and Florida — the data are similar in other states."
https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3463357
A weapon poses an inherent danger no matter how it's carried or not carried. It's the very nature of a weapon. Having insurance makes sense.
Hopefully the criminals who typically commit robberies, murders, etc will forgo that lifestyle when they remember they don't have the insurance to do it. I can't see anywhere this law would not he a benefit to all.
This way you get only criminals carrying a gun, not criminal and idiots. Sounds like a small win to me