Nobody can. But then they can't ensure a ricochet won't stray where it isn't supposed to go. This is why the responsible gun owner has liability insurance.

Check your homeowner's policy; most include some general liability coverage, but make sure it covers the civil liability associated with your gun's use. If not, buy third-party insurance. It is not legal to insure against criminal liability, so focus on protection against civil liability.

I know some "insurance" programs claim to protect against criminal liability, but that's actually illegal in most jurisdictions. The "insurance" programs are often programs in which the insurance company voluntarily provides trial support.