> I think the only case they might have is that security measures taken (regardless of declared value) were substandard I don’t see how it matters to the clien

> I think the only case they might have is that security measures taken (regardless of declared value) were substandard I don’t see how it matters to the client though; the security measures could be entirely non-existent, but that’s why the insurance policy exists. The quality of security should only impact the rate at which insurance has to be paid out, so it’s already the insurance companies’ problem and really only impacts them