I do assume this, but I'm checking with the wider community here, how do you insulate the negative affects? Monitoring + insurance? We did the freeze, but is t

I do assume this, but I'm checking with the wider community here, how do you insulate the negative affects? Monitoring + insurance? We did the freeze, but is that sufficient enough? Seems like I'm gonna have to get some kind of insurance + monitoring in case something goes really south, no?