In order to exist and be open for business agencies need to carry liability insurance. The liability insurance companies dictate what they are willing to cover and the cost of those premiums. If you do not want to pay the insurance liability premiums and adhere to the stipulations then you will not be open for business.  It is not ideological. It is the free market in operation. If you want to open an insurance company and offer liability insurance for employees using guns who are not trained police officers then please do it and you can offer that kind of coverage. Until you do that kind of liability insurance does not exist. Do not blame the state for what the liability of insurance comanies dictate.