Wednesday, November 17, 2010

Insurance Companies

Those who are undertaking a journey outside of Teleleli may wish to begin by visiting the offices of an insurance company. In most cases this will not be to take out insurance, but to find work.

Wealthy folk often seek insurance for long journeys; for example, a monarch sending a child to another kingdom to be married. The company stands to make a great fortune on such a policy, but they may lose a greater one if they have to pay out. Since these journeys are very rare, there is little data on exactly how dangerous these journeys are. Thus it is difficult for the company to know what conditions to offer.

To remedy this, companies will often hire groups of adventurers to make a particular journey, to see how many survive. They may have to make the journey under particular conditions, in order that their chances of survival more closely match those of potential clients. For example, the company may supply a wagon which appears to be laden with silks, or a child whose finery suggests they have great value in ransom.

The adventurers should be sure to negotiate their contract carefully, especially if they venture into an area where there are jackals or wolves. Insurance companies generally do not cover acts of dog.

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