Im considering whether i should start up a Bitcoin insurance company which would essentially insure you for certain amounts of Bitcoins. There will be premiums, and plans which i hope to set up to cover you in case of a theft or hack. Full details of the service may come soon depending on interest and demand.
I'm pretty sure this idea has been thought out before - how would you actually be able to confirm that the coins were in fact stolen rather than evidence planted and the coins moved. Secondly, wouldn't this whole thing (if it got customers) mean that addresses have to be tied to identities meaning the whole anonymous nature of Bitcoin goes out the window. Next, how exactly are you going to calculate a premium for this - you'd need an actuary to determine the likelihood of a loss and figure out premiums from this. Plus, insurance is based off a large scale long-term outlook, if you have a small userbase with a lot of incidents the business might be unviable.
Sorry to be such a downer, but I wanted to know if you really thought this through.