"I think required liability insurance should cover those cases - where the 'excess' of the policy is the total value of the company." So if my choke hazard toy

"I think required liability insurance should cover those cases - where the 'excess' of the policy is the total value of the company." So if my choke hazard toy company is valued at zero dollars, I get a zero dollar insurance policy and the market makes everything work out when kids starting choking to death?