Indirectly, in a general sense, it does. The effect of liability insurance can be to push premiums higher for facilities that aren't robustly checked. If (say)

Indirectly, in a general sense, it does. The effect of liability insurance can be to push premiums higher for facilities that aren't robustly checked. If (say) a hotel chain had lots of playgrounds that weren't properly maintained, their insurer might decide to charge higher rates or even refuse coverage. This may well incentivize the hotel to improve their maintenance.