Insurance is part of the problem - companies prefer to insure themselves rather than employ and support the research and development of secure software. As long as this is the more economical thing to do, nothing will change.

It is in the interest of Allianz and other insurers to employ and support R&D of secure software though.

Do they actually do this though? Or give the money to their owners/shareholders instead?

Good to see the contractually required endpoint protection was working.