Ok, so if you would have a tool to insure your investments in ICO, and be sure your money will back if project closed or smth else happen.
Will you use that tool?
If you want insurance do 2 things
1. Do your due diligence and be sure where you are putting your money and
2. The promoters are those who can be held responsible for their words after they might have agreed to buy at certain price under any circumstance and it can be enforced.
Aside the two above, any other insurance is like telling someone to insure his money for investing in HYIP. I really don't know how that will work out. And moreso, if your are planning in running something like that, how do you determine which project to insure because even in the fiat world, not every risk are insurable e.g gambling. How do you calculate the premium to be paid based on the ICO coming out enmasse everyday. I won't use any insurance don't know about others though.