I'm guessing no insurance company wants to get the middle of monitoring everything a software company does to make sure it isn't deliberately trying to get away

I'm guessing no insurance company wants to get the middle of monitoring everything a software company does to make sure it isn't deliberately trying to get away with infringing on a bunch of patents to cut corners because they know their butt is covered by their insurance. Essentially, it would be too easy for dishonest people to take advantage of it, and too difficult for insurance companies to gather relevant metrics and set a reasonable price.