How do you assess exchanges? 
access you mean?Usually on what problems you provide client insurance rights so they can claimed their insurance. In the real world, we have often witnessed that people who use insurance are very difficult to claim their insurance, hidden requirements and policies that are used to deceive clients and eventually the parties involved also collapse.
That is really some of the things that has to be fix by blockchain technology. The third party system we have before are been manipulated by many policies and many people has to abandon their claims because of so many hinding policies. Insurance companies are not transparent at all especially those one from Third World countries.I have advocate for a way to secure investors fund before in case of exchange hacking and scam projects but I only see a project like dehedge trying to do that but they are also not doing much to secure investors fund. If this crypto insurance will help then it is a welcome development.
CRYPTOINS can bring classic financial rules of the «game» and regulation to the wild cryptocurrency market...