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Insurance

Source Starfinder #34: We’re No Heroes pg. 54
The PCs can insure their starship or cargo. Starship insurance policies cost a number of BP equal to a percentage of their starship’s total BP value at time of purchase (see below). An insurance policy remains in effect for 1 year; after this time, the PCs must buy a new policy (at a higher price if their starship has increased in BP value). If the PCs’ starship is completely destroyed with a policy in effect, the PCs receive a percentage of the ship’s BP value in payment. The rest of the Build Points the PCs spent on their starship are lost!

Starship insurance policies are rated bronze, silver, and gold. A bronze insurance policy costs 5% of the starship’s total BP value and pays out 50% of the total value. A silver insurance policy costs 10% of the starship’s total BP value and pays out 75% of the total value. A gold insurance policy costs 15% of the starship’s total BP value and pays out 100% of the total value.

To insure cargo, the PCs can buy a policy for 10% of the cargo’s buy price (minimum 1 BP). If the cargo is lost and not delivered, and the PCs can prove that they didn’t steal or lose the cargo through negligence, they’re repaid BP equal to the cargo’s buy price.

The PCs can have only one insurance policy per starship and per each cargo.

Archives of Nethys

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Insurance