Think about it for a second instead of asking crazy questions. The drivers of your cars need to be incented not to wreck them. If you bore sole responsibility for insurance, drivers would take your vehicles to the racetrack, steal parts from them, go off-roading, engage in demolition derbies, drive recklessly, report them stolen, leave them in random places... and plenty more completely irresponsible behavior. Good luck finding an insurer for your "business assets."