Vulnerability Researcher here… Unless your target has a security bounty process or reward; leave them alone. You don’t pentest a company without a contract that specified what you can and can’t test. Although I would personally appreciate and thank a well meaning security researchers efforts most companies don’t. I have reported 0days for companies that HAVE bounties and they still tried to put me in hot water over d…
So he had two options: take his clients and his business to another insurer (and still inform all his current and previous clients about their outstanding risk), or try to help the insurer resolve the risk.