Add Negative Amount Tests for Insurance create_policy

[Baskarayelu]

Description:

Ensure create_policy rejects zero or negative monthly_premium and coverage_amount. Add explicit tests (even before full test suite) so these validations are not removed by mistake.

Test Cases

• monthly_premium == 0 panics
• monthly_premium < 0 panics
• coverage_amount == 0 panics
• coverage_amount < 0 panics

Acceptance Criteria

• All four cases tested and passing

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[tusharshah21]

@tusharshah21 has applied to work on this issue as part of the Stellar Wave Program's 2nd wave.

thsi look like a job to me can you assign it to me mate!

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[drips-wave]

Congratulations, @tusharshah21! 🎉 Your application was accepted by the repo's maintainers, and the issue is due on February 26, 2026.

🧑‍💻 @tusharshah21: Please resolve the issue such that the repo's maintainers have enough time to review your contribution before the due date. You'll earn Points for completing the issue on-time, which will make you eligible for a share of the Stellar Wave Program's reward pool.

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[drips-wave]

This issue has been marked as completed by a Drips Wave moderator for @tusharshah21 as part of the Stellar Wave Program's 2nd Wave 🥳

Moderator's reason: Substantial work has been submitted in PR: #239, but was not reviewed/merged within the Wave.

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ℹ️ Note: This issue was marked complete via moderation. Points were issued even though the GitHub issue remains open.