What kind of insurance does God have?

Here's the conversation -- Mo = Mo and B = me:

M: <playing with a scarf> A's mom and B's mom wear scarfs on their heads like this.

B: Yeah.....

M: Why?

B: To show their devotion to God.

M: Who is God?

B: Some people belive God created everything on the Earth and in the Sky.

M: What's God's job?

B: I suppose God's job is to give people hope.

M: What kind of insurance does God have?

B: (!?!?) Uhhhhh..... <tempted to say he ought to have malpractice insurance> ..... errrr..... God doesn't really need insurance.

That seemed to settle things for him but it got me thinking....

What kind of insurance should God have?