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Sadly the only credible way is having a retainer with a industry lawyer who will try to cover you in all situations but when push comes to shove - you're not going to find any insurance company willing to take the risk. That's what it is all about - "risk". Few studies are done and what is out there are stories from hell so insurance companies do not see themselves making any money from adult companies.
What I always wanted to see was a life insurance plan that covers family of veterans/models who passed in the industry to cover basic costs if not at least 25k. We all put in a % per month and paid out when we die. That way the industry starts looking after those who've given everything to the promotion of adult material or services.
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