Are health insurance companies abnormal or representative of non-health insurance companies? Zurich Insurance doesn't look better at all based on the submitted

Are health insurance companies abnormal or representative of non-health insurance companies? Zurich Insurance doesn't look better at all based on the submitted article - specifically covered “all risks of physical loss or damage” and “all risk of physical loss or damage to electronic data, programs or software” due to “the malicious introduction of a machine code or instruction.”