The question that stays in the air is whether the risk of suffering a double-spend is high enough to motivate people to buy such insurances.
With the current architecture, it's difficult to accept "instant" payments securely. It's unlikely that a merchant will individually have the infrastructure to check the propagation of a transaction so they can't even manage the risk of a double spend attack succeeding.
Someone with good (contractual?) relationships with the major mining pools could offer insurance at a rate probably around a small fraction of a percent of the transaction value. It's much easier for merchants and customers to account for a small constant insurance cost than large double-spend losses.
ByteCoin