In my first 100k hands of online cash, I've run 40 buy ins below EV in all ins. I'd like to buy "insurance" on my all ins, where someone pays me the difference between my all-in EV and realized all-in winnings, in exchange for some small fee.

This could even be extended to other sources of measurable variance, like your preflop hands. Each preflop hand/position has some EV, if I get dealt a lot of bad hands, I get an insurance payout, basica