Now, if society feels that too many ransoms are being paid (due to externalities, such as loss of confidential information, service quality, etc) , this might also make it easier to implement additional countermeasures. In particular, I think it would make sense to demand a fine or tax any time a company pays such a ransom.
Lets say, if the government would demand a tax equal to the size of each ransom paid, the insurance/security company would either have an increased incentive to protect against ransomware, or alternatively, the attackers would understand that the break-even size of the ransom, where it would be preferable for the target to not pay, would be not much higher than half as high.
This is a benefit of having actual security be core business for such a company. While for many companies, security is a small part of their business, and not critical for their long term performance, a dedicated insurance/security company would HAVE to be good at both to stay competitive.