Yes that's my point. And since literally nobody wants a policy that reliably and predictably costs more than not having the policy it's not a thing. And since

Yes that's my point. And since literally nobody wants a policy that reliably and predictably costs more than not having the policy it's not a thing. And since it's not a thing anyone wants insurers don't really have it. Yes somewhere there's like someone that might have something similar for sale, sort of. But the point of the comment is that in general businesses don't have it. I constantly see people say that retailers don't confront shoplifters because insurance will just cover it and it's not worth it. It's true they often don't, but not for that reason, since it's basically not ever insured short of a more extraordinary event.