Really, you didn't read the thread title? How about a quick google of Temecula - probably not too many places named that, right?Is this the Huntsville, AL store??
I wouldn't be surprised if Apple wasn't simply self-insured, like a lot of government agencies, wherein they can absorb the cost for a lot less than regular premiums would cost. Insurance is a profitable business, they make more money in premiums than they pay out, otherwise they'd be out of business. Apple is better off just being self-insured instead of paying the cost plus the profit to an insurer.