No, I did not say power companies must pay all possible damages they might cause in the comparison above. All I asked is each solution "must pay up front all the fair market price of an insurance plan or government program to cover any damages it might cause". So if your solution has one chance in a million of killing a thousand people, then the cost of the solution for the sake of this comparison must include the fair market price for insurance or a government program to cover this. Such insurance might not even be available, but this comparison assumes each supplier would be responsible for the fair market cost of such insurance if it existed. That is only fair that this gets included in the comparison.
The problem with using an insurance model is that it only is meaningful in realms where insurance operates properly.
Fundamentally, an insurance company exists to spread the risk amongst it's policyholders. That model breaks down when the size of a claim relative to the number of policyholders is too great. In the real world we see the reinsurance business--big companies that act as insurance companies for smaller insurance companies. However, even this will eventually run out of room. That's why in the US flood insurance is a government program--there is no private insurance entity willing to insure something that big. (Because floods hit many homes
at once the insurance companies model it as if the flood were one claim.) Likewise, I've looked at earthquake insurance--the premium vs risk clearly shows that the insurance companies do not actually want such business and have priced it extremely unattractively. (And that they didn't even care that our house is actually earthquake-engineered--it was cheaper to use existing plans from earthquake country than make new ones without the extra bracing.)
And there's no insurance company willing to take the political risk. Fukushima didn't need to be evacuated.