Insurance and gambling

[miracle114]

Salaam all
Regarding gambling and trade.
Seller A sells good to buyer B.
Insurer C charges a fixed rate say 5% to insure 95% the goods from damages but has nothing to do with the profit, loss, business input etc

1) is insurer C gambling or providing a halal service?
2) is insure C responsible for 95% of the goods if he is only charging 5% to protect them?
3) is there any hidden riba involved and in Allah's eyes would. All parties be in collusion if there is ?

Jzk and peace. I would appreciate any input.