In a life you will acquire a lot of useful skills and at a certain age, if you’ve learnt the right ones, you will be able to competently manage your own super.
All super funds have insurance and the SMSF should be no exception. How comprehensive you want to be is really up to you but seriously consider covering yourself well for every likely scenario.
Good insurance is available from many suppliers, you just need to sort through the hundred and thousands of companies supplying it and then you need to pick the one perfect for your situation.. who has time?
Check these guys out http://www.theinsurancequoter.com.au/insurance-products/income-protection-insurance/ – they do all that hard work for you and make sure you are not over paying but are covered for everything your circumstances ask for. The best part is, all insurance is payable for SMSF so you are not actually out of pocket.