Even if it were, consider the costs of doing so. You'd have to do a lot of due diligence to acquire the insurance and prove to the insurer you're not high-risk. Then there's the premiums to pay for the policy, plus your legal fees and engineering costs to attempt to prove to your insurance company that an incident was the result of carelessness by law enforcement so that you could collect on your policy. Not to mention the opportunity cost (both short- and long-term) you're hit with from the downtime as well as from all the employee time that is sucked up in an attempt to seek restitution and eventually bring your business back online once things get sorted out.

All those costs would dwarf the cost of building a fault tolerant architecture from the start. Having a distributed architecture protects you from random law enforcement activities, power/communications outages, or even just glitchy hardware. Not only that, but it offers the advantage of built-in scalability should your business exceed your current capacity. Unless you have massive amounts of legacy infrastructure, data, and code which makes it cost prohibitive to migrate, it's really cheap these days to have a proper distributed architecture from the start.