I don't think you've thought this through, generally insurance premiums are high if there is a lot of risk and low if there is not much risk. If risk is low and you have a small market, like say beekeepers, your profit is small. If you increase your premiums at this point you would decrease your profits even further because people get insurance based on a calculated trade-off regarding risk and premiums. In other words nobody in a low-risk insurance market is going to buy your policies if they have a high premium.