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"Operators simply load new programs, as necessary, to produce different products" describes:
Breach Of An Insurance Contract
The failure by either the insurer or the insured to fulfill their contractual obligations under the terms of an insurance policy.
Punitive Damages
Financial compensation awarded to a plaintiff beyond actual damages to punish the defendant for egregious behavior.
Legal Malpractice Insurance
Insurance that provides coverage to attorneys and law firms for claims made against them by clients and third parties for negligence and errors in the provision of legal services.
Intentional Acts
Actions performed with the understanding and desire to bring about a specific result.
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