I agree to Abraham Maslow‘s saying, “If the only tool you have is a hammer, you tend to see every problem as a nail.” This especially applies to people working for insurance company. They tend to think everying is insurable.
At a meeting with friends of mine who were insurance guys by chance, my friends came up with an idea of selling insurance for patent infringement lawsuit and patent examiner’s mistake.
On the other hand, patent lawyers have a different hammer, which is patent prosecution. Hence, they advise their clients to patent everything.
I overheard that the Europeans are thinking of patent infringement insurance a mandatory for businesses. If it’s true, it will be just raising taxes from businesses. If it’s not a mandatory but an option, business people will compare and judge which is cost efficient, to buy insurance or file a defensive patent. As of now, insurance seems cheaper. But would it be cost efficient in the long run?