Crime victims have a right to receive compensation for damages like pain and suffering, and usually receive that compensation in the form of financial recovery as part of a civil judgment. In some cases, other parties, in addition to the criminal defendant, are liable for the crime, in which case insurance coverage may offer financial recovery for the victim.
The two major forms of insurance used as financial recovery for crime victims are commercial liability insurance and homeowners insurance. In both cases, most policies will only provide coverage if the acts of the insured were unintentional and not criminal. This means that typical cases where insurance may be used as a source of recovery involve an act of negligence, like failing to lock a door or unreasonably failing to discover abuse.