Insurance

''Any time you are on a planet, you may purchase Voyager's Insurance. This insurance will protect you against a number of misfortunes which may occur during space travel, such as damage from asteroids, losses due to space pirates, warehouse fires, and much more. If you purchase insurance, it will only cover your next trip. You must pay an insurance premium every week if you want to be fully covered. Your insurance costs will rise and fall depending on local conditions, natural disasters, your accident record and fluctuations in the insurance market.''

The Insurance Agent holds the insurance. As you upgrade your ship, insurance gets more expensive. Although insurance can protect you, they cannot protect everything.

Here is a list of event causes that are not insured from this insurance: Despite this, insurance will still protect you against being sued by the Workers' Union through lawsuits. But, as said above, being forced to raise crew wages is not covered in the insurance.
 * Household pet damages from Mutt the stray dog
 * The automated system on the ship, for replacing a worker, from a risky person, breaks down.
 * Being caught in the act of smuggling or other illegal acts
 * Fines and jailing
 * Loan- and tax-related issues
 * Losing in gambling
 * Being forced to raise the crew wages