Crossword Genius

Should be insured, darling (8)

Ross

I believe the answer is:

precious

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'darling' is the definition.
(thesaurus)

I cannot understand how the remainder of the clue works.

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(Other definitions for precious that I've seen before include "as good as gold" , "highly esteemed" , "Valuable or dearly beloved" , "Having great value" , "costly" .)

I've seen this clue in the Evening Standard.
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