I don't know but I doubt that. It would be a feast for insurance fraud. "I got hacked... right after the boating accident I've already reported to you"

I've had three miners approach my in the last 2 years. Last I checked, no. I don't think the insurers understand it yet. They finally came up with something in 2000 to address cyber liability.

How should they calculate the risk?

Simply call the bitcoin hotline

asking for a friend planning a boat trip?