Probably not an original thought...

Are there nonprofit insurance companies?  If not, why not?  I know there are emergency funds for various subgroups of the uninsured, and I regularly see emergency fundraisers online - seems like at least one on my flist at all times - why not something more organized and permanent, a charitable insurance organization run with the same humanitarian viewpoint as microbanks like kiva or the like?

Hell, if I had the money and the know-how, I'd start one up myself.

Please, discuss.  This is something I would very much like input on.