If you've poured a lot of money into crowdfunding, you've probably backed a project that either missed its release date or was an out-and-out fraud -- and since there are rarely recourses in these cases, that often means that you've wasted your money. For Indiegogo, this is enough of a concern that it's now testing crowdfunding insurance that compensates you if a campaign goes belly-up. All you do is pay extra on top of your pledge; if the promised goods arrive more than three months late or don't show up at all, you get your money back. Indiegogo is only trialing insurance with one campaign, Olive's anti-stress wristband, but it might expand the offering if the dry run proves successful.