I am a Vodacom franchisee. We have to take out insurance for the devices we sell.

Answer

While you may lose the franchise, you will not lose your Rizq. Insurance is haraam. Loss of the franchise will not terminate nor diminish your Rizq. Rizq is pre-ordained. We receive our Rizq from Allah Ta'ala. Whatever amount of Rizq Allah Ta'ala has decreed for us, will reach us regardless of what we do or do not do. We are in this world for a very short sojourn. We are being tried and tested here. There will always be trials in this temporary worldly life. The Muslim is expected to cast aside whatever is in conflict with Allah's Law.