Right now, it appears that the oil companies themselves run their own clean-up efforts. Sure, for every day they don't fix it, they risk bad reputation and loss of oil. But I don't think that's equal to the environmental disaster and well-being of communities off-shore. So I propose that insurance companies pay for the preparation/training/and hopefully use of operations relating to clean-up to companies managed by 2 entities: 1) The Shore Communities and 2) The Environmentalists. The shore folk will have jurisdiction to prevent oil have reaching shore while the environmentalists manage the waste miles off-shore. During times of preparation, the oil companies would be responsible for paying those 2 entities in training expenses.
Sure, the gov't can do it but they got enough to think about.