Holding actual people liable sounds like a more effective option. The insurance would just be included into the cost of doing business and make everything more expensive. Insurance makes everything worse.
Holding actual humans liable (with appropriate levels of harshness) would make actual humans more likely to take preventative steps. Holding shareholders somewhat liable (maybe extra taxes on sales of a companies stock) might be useful also.
Holding actual humans liable (with appropriate levels of harshness) would make actual humans more likely to take preventative steps. Holding shareholders somewhat liable (maybe extra taxes on sales of a companies stock) might be useful also.