بسم الله الرحمن الرحيم
Your concern is quite solid that the products prepared by the non-Muslims companies might mix cow urine or any other impure thing in their products. The solution to this problem is that the Muslim students also should achieve higher education in the field of science and technology, and the rich Muslims also should establish companies and prepare the products within the guideline of the Shariah. Also more and more educational institutions for higher studies should be established where the Muslim children could impart education in Islamic atmosphere so that the Muslim students could learn science and technology along with their religion and faith. After getting their education they should especially offer their technical support to the Muslim companies. It is not forbidden to achieve higher modern education in the eyes of Shariah. It is lawful to get the education of science and technology. You are not correct in saying that Muslims do not have permission to get the knowledge of science and technology. As far the matter of loan and insurance etc is concerned, where there is the government rule then one may adopt it thinking it a sin. However, loan and insurance is not lawful without a severe need and in general it is a condition that one fears Allah and must not cross the Shariah limit and try his level best to follow Islamic teachings.
Allah knows Best!
Darul Uloom Deoband
This answer was collected from the official ifta website of Darul Uloom Deoband in India.