Insurance companies don't pick up tabs, they spread out risk, and make a profit in the end if they've calculated the right probability of failure. The insured p

Insurance companies don't pick up tabs, they spread out risk, and make a profit in the end if they've calculated the right probability of failure. The insured parties, together, are paying the tab, plus the profit for the insurance company. Only by inspecting a device and its software can an insurance company calculate a reasonable estimate of the risk of breach, and thereby reduce the risk of unprofitably to a tolerable level.