Not sure where you got the idea what nobody offers crypto insurance. Lloyd's of London, one of the world's oldest and largest insurers, offers crypto insurance[1], just as one example. You also have decentralized options like Nexus Mutual.
Frankly, I'm shocked that Lloyds, of all people, are foolish enough to get into this game. It would be like insuring a pile of gold, that can be stolen through the internet.
I'd expect the premiums are quite high, they don't say on their web site.
I'd expect the premiums are quite high, they don't say on their web site.