[pornel]

Who will insure the insurer against Google blocking this business model?

Also, given that clickfraud is a danger to Google's core business, Google likely spent enormous amount of money and engineering to have best detection possible. Beating Google at their own game will be difficult (i.e. insurer will lose money whenever fraudsters are better than insurer's detection, but Google catches them).

[chc]

Why would Google block a business model of helping site owners to avoid click fraud? That's doing Google a favor and not even charging them for it.