unclear if basing insurance decision on profit is a good rule of thumb. Dumb thought experiment: my business plan is to sell badly engineered custom software b

unclear if basing insurance decision on profit is a good rule of thumb. Dumb thought experiment: my business plan is to sell badly engineered custom software below cost, but make it up by volume. All the clients love the low sticker price until they realise my software doesn't work. Then they all litigate to recover what they paid. Even though my business runs at a loss, it is not obvious that avoiding insurance is good decision. (Not obvious that insuring me is a winning strategy for an insurer either.)