We believe it is important to protect the end user. In the unlikely event that we mis-issue a certificate to a fraudulent site that links with an end user, the end user could lose money. The end user had what they thought was a "trusted session". Comodo should never have provided the fraudster with the ability to engineer this situation. Hence, we have taken out insurance to pay out money to the end users. How can we do this?
We pre-validate customers and provide validation that is far higher than the majority of other SSL providers. Some CA's have weak validation hence they decide NOT to offer insurance! Finally, it is worth pointing out, that we offer high validation, but not at the compromise of speed. You can still obtain SSL instantly.