Insurances never make anything more secure. They make the loss more bearable. At best.
Insurance makes many activities safer. See IIHS in the US for example.
At my place of work, Fire regulations are rudimentary and almost laughable. But when the insurance inspector pays a visit, we snap to attention and clean up our act. They have far more stringent requirements for things like fire safety and business continuity planning, and there's money on the line if we don't follow their recommended best practices.