What does the Warranty actually mean?

Comodo believes it is important to protect the end user. If we were to mis issue a certificate to a fraudulent site and that fraudulent site has an SSL link with an end user, as a result of this, the end user loses money. The end user had what they thought was a "trusted session". Comodo should never have provided the fraudster with the ability to engineer this situation. Hence, we have taken out insurance to pay money to the end user. Why do we do this?

1. We value the end customer
2. We believe the insurance provided greater peace of mind, hence allowing the merchant to sell more products