In fact, the insurance jobs don't define what is risky - rather they measure the amount of risk. The OP proposed regulation to force "risky" businesses to have

In fact, the insurance jobs don't define what is risky - rather they measure the amount of risk. The OP proposed regulation to force "risky" businesses to have insurance. The question remains - who gets to decide who is risky and who isn't? In this scheme, does every enterprise require insurance in totality, not just the risky ones?