Insurance companies don't like any risk...Similar to Vegas. Look at their opulent corporate headquarters for some of these mega insurance companies. Gleaming glass skyscrapers with security that matches Trump's Mar-a-Lago...Ya see, they've made lots of enemies denying claims. And why they have entire floors dedicated to attorneys and investigators.
You do understand the concept of shared risk and actuarial science?
If you think insurance companies are so evil then you should definitely not purchase any insurance.