I know the feeling, I had that with my first nice bass, which coincidentally was a warwick. These things are to be played, and it sounds like you'd really like to feel comfortable with taking it to gigs, so I'd recommend building your confidence to take it to gigs gradually. Maybe try taking it to a gig where you know your gear is going to be pretty safe and potentially out of harms way, then see how you feel about it. I don't think there's a whole lot of point in forking out for instrument insurance otherwise.
I have one bass that I've had quite a few years now that's never seen a gig. I'm pretty scared of taking my 70's Fender Precision to gigs because I've never played another quite like it and I'd be worried I couldn't replace it if something happened to it. Although having said that, it's not like this bass doesn't get it's fair share of use, I've used it on a load of recordings and it's generally my "pick up n play" bass at home.
I don't agree with "there's no point in having it if you're not gonna gig it" because gigs aren't the be all end all for everyone.