Insurance was a form of protection against risk that could be purchased.

Ferengi culture insists on insurance, both for businesses and for health. (DS9 episodes: "The House of Quark", "Body Parts", DS9 novel: The 34th Rule)

In 2266, when faced with either execution at the hands of Warlord Yago or being forced to hurt children to save themselves, Montgomery Scott told James T. Kirk that they had to either try to escape or hope that their insurance premiums were paid up. (TOS comic: "Child's Play")

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