This is so far from where we currently are that I don't pretend to know what it would look like in a free society.

That said, my best guess is that private insurers will assume a large role in society. They would be the institution with the power and incentive to take on these other large economic actors. So, my expectation is that insurers would sue manufacturers for the damages incurred by their clients and that those cases would be resolved through mutually agreed upon arbitrators.