This would be nice, if not: 1. Most services get acquired weeks or months after launching (Sparrow, Mailbox), and 2. Those promises are pretty hard to deliver

This would be nice, if not: 1. Most services get acquired weeks or months after launching (Sparrow, Mailbox), and 2. Those promises are pretty hard to deliver on. If a company fails, who are you going to complain to when they don't keep running as promised? When a company gets acqui-hired and the mothership chooses to kill or freeze the service, they can just change the Terms & Conditions. It's becoming more and more important to show that you are seriously committed to your product and not just in it for the short-term win (and even then an Instagram can happen), but I'm not sure an insurance would be worth more than an empty promise.