Historically, the insurer would provide or contract out loss prevention, or require the insured to do so, e.g. security guards to prevent theft, fire fighters t

Historically, the insurer would provide or contract out loss prevention, or require the insured to do so, e.g. security guards to prevent theft, fire fighters to prevent fire damage, bounty hunters to prevent loss of bail bonds, etc. In many ports of of the world, governments now have a monopoly on several of those services, and it's illegal for insurance to play a part in them. When such governments don't then provide those services, the insurance market collapses. Either the prices rise substantially, or especially in areas where rate changes are prohibited, insurers stop providing services.