Environmental Impact Insurance

I'm not someone who thinks that anything a government does is bad. However there is a recurring theme of environmental disaster and cleanup, where the everyone points blame somewhere else, and I don't understand why it keeps happening.

In the Deepwater Horizon investigation it appeared that the government department that was supposed to control the projects was complicit in risks being taken. In France, oil tankers keep sinking. For oil tankers Europe can't impose the same rules as the US on double-hull tankers, but does impose inspections.

I don't see why BP Oil wasn't required to have a "no limits" insurance policy to cover any environmental impact. I don't understand why ships aren't required to have an insurance policy before the leave the port. Having a double-hull should reduce the cost of insurance. Insurance inspectors should be on the oil rigs and in decision process, saying "no!" to anything risky. The government should only be concerned with the financial resources of the insurance company, not with inspecting the ships for rust. It should simply lay out strict rules on what the insurance company has to pay. Insurance companies should be required to pay quickly - if a claim is made and not contested within 10 days it should be paid, although there should be a process to recover fraud.

If the US and Europe required comprehensive environmental impact insurance like this, specialized companies would appear, they would have the skills, resources and motivation to keep inspecting everything. They would have the international reach to have standardized procedures across the globe. Flags of convenience would no longer apply.

So why hasn't this already happened? Money, obviously. Whose money and where? One thing I sure of, if governments clean up the mess then its the people who are paying.