A reconciliation instruction (Budget Reconciliation) is a provision in a budget resolution directing one or more committees to submit legislation changing existing law in order to bring spending, revenues, or the debt-limit into conformity with the budget resolution. The instructions specify the committees to which they apply, indicate the appropriate dollar changes to be achieved, and usually provide a deadline by which the legislation is to be reported or submitted.[2] A reconciliation bill is one containing changes in law recommended pursuant to reconciliation instructions in a budget resolution. If the instructions pertain to only one committee in a chamber, that committee reports the reconciliation bill. If the instructions pertain to more than one committee, the House Budget Committee reports an omnibus reconciliation bill, but it may not make substantive changes in the recommendations of the other committees
Now this is an interesting argument. What you're saying is that insurance companies wouldn't want to insure drillers at an affordable level because the risk of polluting an entire coastline is so very great, that only the richest could afford to pollute an entire coastline. Apart from the oil company and the insurance company, can you think of any reasons why others might not want this risk to be taken?