I wonder whether the insurance question comes down to insurance for Reflect Orbital's customers, rather than RO itself.
If you are harmed by RO operations motivated by a customer (Momoney Nobrains, MNB), would MNB not have liability for visiting this well-recognized hazard upon you? Could you (all zillion of you) sue MNB in your own countries, states, etc.?
In the current wild-West legal environment , might this have enough weight to deter potential customers?