The only issue is misalignment of incentives. A patent troll will take a look at such a policy and do the bare minimum to give off the appearance of a ‘real’ c

The only issue is misalignment of incentives. A patent troll will take a look at such a policy and do the bare minimum to give off the appearance of a ‘real’ company. And then the insurance company will simply go “yep, that tracks”, with little incentive to investigate as it’s not in their best interest.