The Muq server was designed and implemented with reliability in mind. Its test suite includes thousands of tests, and gets run roughly hourly during development.
Still, server crashes are a fact of life, if not due to bugs which have survived to reach beta testing, then due to bad memory, power failures, disk failures, disk overflow or whatever.
Your best insurance against crashes is always to keep lots of backups, both in the active server directory itself, and also somewhere completely different, at minimum on another machine, ideally offline in a firesafe in a separate building. Think about how much it would cost you to replace the db if (say) the host machine got stolen or destroyed by fire, and plan accordingly.
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