As a business, Comcast can forsee this sort of risk, much better than any individual customer could, and insure against it.

The costs still get passed on to customers, but are distributed among all customers, are not incurred as an additional fee or cost at a time of hardship, and Comcast's size and negotiating power against an insurance company would almost certainly result in more favorable rates and terms than an individual could secure.

To say nothing of the brand management issues which would be avoided.