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Interesting that much of the issue isn't necessarily the cables, rather the insuring of the cables

The cost of insuring the cables just reflects the underlying dynamics.

Yes, and why? That is the mad bit.

Presumably because the coverage triggers happen at a frequency that makes the premiums more expensive than the developers want to pay?

Insurance companies are usually quite happy to take your money as long as the premiums will cover their expenses.

It means the juice isn’t worth the squeeze for them (aka payouts have been > premium payments often, or so close they can’t make money.).