It's easy. No matter what you insure you have a weasel measure, how competent your claims officers are at denying valid claims. To determine how profitable it w

It's easy. No matter what you insure you have a weasel measure, how competent your claims officers are at denying valid claims. To determine how profitable it will be you need a sucker factor to estimate the market size. A sucker is willing to spend on an insurance that has exceptions at the maximum damages they could recover from, that leaves them with the same maximum cost they need to self insure for and less ability to do so because they are paying you. It's inherent that no successful insurance company can run with a weasel factor of zero so every product requires a sucker factor above zero too.