Is it permissible to draw up a legal protection insurance policy that covers the costs of the lawyer and court in defending one's rights in the event of a problem with a company?

Commercial insurance in all its forms is forbidden because it is based on Gharar (excessive uncertainty), gambling, and usury (riba). The aspect of Gharar and gambling in it is that the insured pays money without knowing whether he will benefit from services equal to it, more than it, or less than it. The aspect of usury in it is that it is an exchange of money for money with delay and disparity. The fact that the money is given to the lawyer and the court and not to the insured is irrelevant, because the insurance company pays the lawyer on behalf of the insured.