Random startup idea: Insurance policy for hiring expensive technical experts

An “insurance” program that provides super high quality experts in highly technical areas like advanced security, scaling services, refactoring up complex architectures and debugging major issues, etc.

Those experts might charge $500+ per hour on a freelance basis and most companies cannot afford to pay for them, and probably should avoid doing it if they can. But if they do need that expert to come in and fix a mess, why not pay into this as an insurance plan, where your premium is reduced every time you do not need an emergency expert to come in and get the job done.

I’m not sure if this exists but I think it makes sense as a business model and somebody should do it.