@OP any decentralized solution wont give you any insurance. Even the best smart contracts can be hacked (for instance most recent 600 mln BNB bridge hack). Centralized solution is not safe too because "not your keys not your coins" and in worse case scenario - if users money are worth more than their reputation, in their opinion ... they will most likely take your money.
So far "Binance" with SAFU.
Just wanted to add that not everything available on binance is "SAFU". Binance has various staking products and part of them are provided by other companies. Its always worth to read TOS before trying anything.
As I can see they splited binance earn to 2 sections:
"Principal Protected
The same number of tokens deposited to Savings and Staking will be returned to you along with yields paid out in the same type of token. See our Terms & Conditions and FAQs for more details."
"(High Yield) Higher Potential Rewards
An opportunity to receive higher than average gains but with corresponding risks to your invested cryptocurrencies. Only invest what you can afford to risk, regardless of how high the potential rates of return."