>By assurance, not that I get a payout, but rather the company has sufficient QA to avoid a payout.

They also have sufficient insurance that a payout doesn't tank their company. I don't think their risk avoidance translates into your risk avoidance.

>>By assurance, not that I get a payout, but rather the company has sufficient QA to avoid a payout. > They also have sufficient insurance that a payout doesn't tank their company. I don't think their risk avoidance translates into your risk avoidance.

The insurance company doesnt want a payout though -- they will ensure certain certifications. Also, insurance companies will not payout (and hence bankrupt the company) in cases of fraud or gross negligence.

The system is not perfect, but it exists to align interests.