Insurance is (theoretically) a competitive market, so no, those salaries are actually not included - aside from the compensation of the people building and conducting risk assessments. I'm not convinced most insurance companies make a ton off of home insurance specifically - I have heard that healthcare coverage (which is barely an insurance product) is the big profit maker, along with car insurance.
Most home insurers aren't really in the medical insurance business. And, as you indicate, most medical "insurance" companies no longer actually bear much risk. They make their profits by administering health plans for self-insured employers. The profit margin for that is low but the volumes are huge.
