[Xietor]

Now instead of a Bank of Ulm, for which there was little need since the first Big Game had established a trading house, someone should have opened up an insurance company.

And players could have taken out insurance on thugs and provinces.

A typical policy for a province could cover against:

Floods, Toad infestation, Locusts, Heavy Snowfalls, and other random events.

For a premium one could purchase "key man" insurance that would insure certain thugs and sc's against certain afflictions and death. Minor afflictions could result in a cash payout, where a major affliction may result in a "total
loss" being declared under the policy.