Give me strength....of course I do not know the detail of your ammonia hybrid fuel system because you haven't launched your truck. Anything that has been built has the potential for failure. Think back to the solid rocket booster that failed in the Apollo program, designed and built by I would suspect much cleverer people than you and I, but history shows it failed. Your system will have the potential to fail. Insurance rates are based on history and risk assessment, if later experience shows that premiums do not cover reimbursements of claims and or conflict with prior conclusions on risk, the rates will go up. Your comments re truck drivers and lift truck drivers is an insulting generalisation and you should withdraw it immediately.