Lesson in Self-Insurance

Self-Insurance is easy. Pretty much all you have to do is not spend money and hope nothing goes wrong.

Every McDonald's relies on some self-insurance.

I would bet anything that there is not a single McDonald's with fire insurance. It stands to reason since they all have smoke detectors and sprinkler systems. On top of that, most of them have people in them. Besides, how many McDonald's have you seen burning? Even if you have, it does not matter. Think how much money they're saving on fire insurance!