Tort law is why colleges have "deans of intersectional classism" and charge $60,000 a year? None of the universities in my states have those or charged near th

Tort law is why colleges have "deans of intersectional classism" and charge $60,000 a year? None of the universities in my states have those or charged near that, but, let's assume they had and did. How does that mitigate the liability insurance and why isn't that showing up in the budgets of state and local governments? Which companies selling that insurance should I invest in, if it is so profitable a buck to make?