Not new products, even though the products do not have this constant capital is not may be produced  this constant capital in the reproduction process, from material point of view, is always in the loss of all would it have been accidents and danger. (In addition, in terms of value, because changes in labor productivity, the constant capital may depreciate;
But this related only to individual capitalists.) Thus, the profit part, that part of surplus value, which reflects only the new additional labor surplus product (in terms of value) as part of the need to act as insurance fund. Here, the insurance fund is not the insurance company as a separate business to management, which did not change the essence
Of the problem. This fund is not income as the income used for consumption is not necessarily the only part of the accumulated fund. It is in fact used for the accumulation fund, or just to compensate for the shortage of reproduction depends on accidental circumstances. This is also in the surplus value, surplus product, which surplus labor, in addition