Risk reduction is a little different than attempting to solve the root cause. It's also notable that risk reduction generally doesn't include launching massive litigation initiatives. An important distinction is that insurance companies try to reduce risk so that they reduce claims, not solve the root problem. In fact solving the problem could put them out of business. Any effort towards risk reduction is to maximize profit, not solve the problem.

I also don't see any market that insurance companies could exit to reduced patent trolling.