Perhaps, but when you're operating at any significant scale accidents become a statistical certainty. 0 screw ups, ever is not a realistically achievable goal. And if some limited number of screw ups is allowable, that necessarily becomes an insurable cost that amounts to "just the cost of doing business", so I don't really see the complaint.

Concrete example: If you run a construction business, even if you take all the required precautions, statistically you're going to get 9.2 of your employees killed for every 100,000 man-hours they work.[1] Is that proof all construction companies are evil, and we should shut them down for murdering their employees? Is it a problem that having to buy life insurance is "just a cost of doing business" for these companies?

[1]: https://www.bls.gov/charts/census-of-fatal-occupational-inju...