So what I am thinking is an insurance company... You pay a certain amont to get a percentage of the cost of an item replaced. Most people I could see getting this on a melon sword or eff7 pick... Prices would be as follows

5k a week for 5% coverage
10k a week for 10% coverage
and so on and so forth...

The prices are so high to avoid scamming where people pay 5k supposedly break the item, steal money..
I would only let trusted people in on this so that they don't do that ^^^^

I'm thinking an allstate thing where like one month of safe handling rate goes down by 500 or something like that
Anyway let me know what you guys think and anyone interested in taking this on with me can contact me ingame or on here. Thanks guys :)