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Writing Policy;      IN HIS BID TO BEcome the next Mr. Olympia,
a contestant strapped a refrigerator to his back and ran around
a race-track. Before he finished, the strap broke and the
refrigerator injured him. He sued the strap maker, and a jury
awarded him over $1 million, despite his rather unusual use of
the product.      The rising tide of product-liability suits,
including a few as outlandish as the strongman's, is a major
cause of the current insurance crisis. The growing tendency of
juries to side with consumers and award huge damages has
strained insurers. The result: businesses face soaring premiums
and canceled policies. "Any solution to the insurance problem
will have to be based on a fundamental reform of tort law," says
Robert Willmore, a U.S. deputy assistant attorney general. The
Reagan Administration is pushing for changes in the tort system.
Congress is moving to end the crisis in what promises to be a
bitter fight among so