[dragonwriter]

> Actually I think they're onto something, the company being required to get insurance [too] means they have more financial skin in the game.

No, a company that is liable has skin in the game, insurance mitigates rather than enhances that—its the whole point of insurance, swapping out risk for a fixed cost.

OTOH, the insurer then has skin in the game.

[Dylan16807]

In bulk, there's no real difference between the company getting insurance for the user, versus the company being insurance for the user.

Either way, the cost they pay will be directly related to how safe it is. They have almost all the skin in the game.