Insurance transfers specific financial risks from you to an organization that pools many similar risks, paying premiums to avoid catastrophic losses you couldn't absorb. It works only when the risk is real but unlikely, clearly defined, and the premium is less than what the loss would cost you—which is why insurance for predictable events or minor inconveniences is usually a trap.
Peri can explain this concept, give practical examples, help you decide whether it applies to your situation, or recommend a journey if appropriate.
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