Conventional insurance is great fun, but it can’t cover everything. You can’t get cover for ham shortages, for your second name ending up an amusing swear-word, for other people not having spectacularly visual, non-fatal accidents. A gap in the market for sure.
The services of the assembled creatures-of-myth are entirely random at point of sale (as was their wish), but who couldn’t use the services of the Dread King of Mother’s Day? Exactly.