In message , The Natural Philosopher
writes

The general rule is that if you can afford to repair replace whatever,
and the risk is moderate to high, don't insure.

I was astonished to learn following the fire that gutted their
Chichester store that Sainsbury never insured their premises.

Then, after the Big Read case, I learned that the BBC no longer carried
copyright infrigment insurance. They had dismissed most of their
copyright staff that kept them out of trouble.

Funny old world

--
James Follett