Insurance in Between: A Critique of Liability Insurance and Its Principles

Is liability insurance simply a necessary evil in today’s climate of litigation? Or does it have greater implications beyond its social and economic remit? In this article, I argue that when the insurance policy is viewed hermeneutically as a text, its negligence-based definition of action supplants the understanding of responsibility, therefore having theological and philosophical implications. Insurance, in this sense, comes ‘in between’ humanity and its relation to others and fundamental ontological questions concerning the meaning of uncertainty and suffering.