This is only somewhat related, but does someone know a resource that describes what happened to the continental financial/currency systems when a ship with gold

This is only somewhat related, but does someone know a resource that describes what happened to the continental financial/currency systems when a ship with gold on board sunk and couldn't be recovered? I've read that this is how ship insurance started, but couldn't find anything about the effects of disasters, discoveries and conquests in the old and new world.