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their insurance doesn't give a fuck

When the company doesn't care, the insurance still cares.

When the police don't care, the insurance still cares.

Insurance always cares.

death, taxes and insurance caring about these things
the insurance doesn’t care in the slightest and is happy with this particular trade, many shipments don’t get stolen

It’s baked into the cost

Insurance cares about losing hundreds more billions on hurricanes and floods, and even then they barely give a fuck. Nobody cares about some little shitty shipment

slightest and is happy with this particular trade, many shipments don’t get stolen

Clearly you've never owned a business or dealt with commercial insurance. Perhaps stop replying since you don't know what you're talking about.