Buffett/Berkshire in the News

Hello

As a BRK shareholder I think I get the idea about the float (money who does not belong to us but ...)

But as a policyholder/customer I have some questions :
Is it fair that the money earned on the insurance float (reserves) belongs to the insurance company ?

Aren't the reserves set aside by the insurance company paid by policyholders ?
When risk occurs, coverage is paid by the insurer (so it is taking risks). But next time, renewal premium inscreases to pay this supplementary cost. So as few policyholders change of insurance company each year, they finally still pay for increases.

Won't it be fair that, for instance, half of the return earned on the float be shared with policyholders ?

Does the insurance float belong only to the insurance company in all countries around the world ?

Thanks

wmb