Insurance is all about risk, not perceptions.
And risk is about probability and consequence.
While the consequences (cost) of loss of a single pilot aircraft may increase sharply, at least in the short term, provided the probability does not increase then there is little that I can see to support sky-rocketing insurance rates.
If experience showed that, with time, the overall risk was to decline then, in a perfect world, the insurance rates should reduce also.
Though I wouldn't bank on that happening.
If the probability was to increase then they'd have more to worry about than just paying their insurance premiums.