On the upside, specialized insurance companies tend to be pretty thorough in managing their risk of paying out. Meaning that third parties will probably have a

On the upside, specialized insurance companies tend to be pretty thorough in managing their risk of paying out. Meaning that third parties will probably have a hard time operating a counterfeit scam on any scale, once an insurer pays out all the others will find out and refuse to underwrite. Insurers would likely also require a proactive anti-counterfeit program for their larger clients.