Anybody doing something overly dangerous has to pay higher insurance. Smokers, motorcyclists, even regular drivers have to have a special auto insurance. Gun owners and anyone carrying a gun should also need special insurance. And if a company decides they are too much of a risk, they should have the option of raising rates or refusing service. Strange how the republicans think it is a companies right to refuse service to people based on race or sex, but think guns an gun toters should have protections from discrimination.