Formalized insurance contracts against Mike-related risks: project failure, health issues, relationship changes, employment disruption. Shareholders can buy protection (pay premium, receive payout if event occurs) or sell protection (collect premium, owe payout). Makes the life insurance anecdote from the Wired article into actual gameplay.

Dev Requirements:

• Insurance contract creation interface
• Event definition and verification system
• Premium pricing mechanism (manual or algorithmic)
• Claims processing workflow
• Actuarial history/statistics display