[wlug] Insurance Companies Recommending Computer Gear?

A couple of big insurance outfits have made deals with Apple and Cisco to charge lower cybersecurity premiums to customers buying their gear <http://www.theregister.co.uk/2018/02/06/cisco_apple_allianz_aon_cyber_insurance_deal/>. I’m in favour (up to a point) of charging according to assessed risk, but basing it on specific brand names leaves them open to accusations of conflict of interest. Better it be done according to adherence to published nonproprietary standards, such as PCI-DSS, for example.