Not sure Rick when one can insure a hole in one is just a business decision.

But I get it health housing and catastrophic losses could be better monitored and regulated.

I’d qualify that as for-profit mandatory insurance.

Canpt get a mortgage without home insurance. Canpt drive a vehicle without at least liability. Those rates should be strictly government regulated to be sustainable and non-profit.

But if you want to insure your collection if priceless Whitworth wrenches, well maybe I care a bit (Just a bit!) less about insurance gouging.