One day if cryptocurrency and/or blockchain technology really becomes part of mainstreem life and the business world there will need to be a type of crypto insurance. There is already cyber crime insurances that you can buy so I would imagine that these would be handled similarly and that there would be some sort of actuarial process that would assess the risk on a situational basis to assign a price for your premiums on  your insurance policy. In the next 5-10 years I'm sure we will see this if not potentially sooner than that.