TexasCHLforum.com

To me, the underlying problem is that there is less liability risk for businesses that prohibit firearms. This leads to insurance companies concluding that they need to have higher rates for businesses that allow firearms, if they insure them at all. If we can address the liability issue then market forces should change insurance companies pricing behavior.

Hold business owners (or their insurance companies) liable for shooting injuries or deaths if the business legally prohibited customers from having the ability to defend themselves. A store that has cash or valuables has an inherent risk of robbery. Patrons of that store are placed at risk by being present in the store. If the store owner prohibits those patrons from being able to protect themselves from this forseeable danger, then the store owner should be liable for the resulting damages.

An analogy would be a store owner that has a wet tile walkway on their property (inherent danger) and then requires all patrons to tie their hands behind their backs with rope (takes away their ability to defend against that danger) as a condition of shopping there. When the patron slips and smacks their face on the tile, the store owner should be held liable for the resultant damages from their restriction.

If insurance companies start paying out multi-million dollar judgments for stores where 30.06 was posted and someone was shot, but do not have to make these payments for unposted stores (or pay a much lower amount), then the whole insurance company pressure thing goes away. The insurance company execs may be living in Kalifornia or some such country and may personally be as anti-bill of rights as they come, but they are still business people and money speaks much louder than principles for them.

There are plenty of other car dealers who do not feel compelled to post by their insurance companies.

I will be in the market for a vehicle soon (daughter is turning 16). I will not be buying from any dealer that posts either sign, simply because there are better options out there.