Name a standard type of insurance policy (all vehicles count as one type)

A prompt from the Krillion daily dive of September 29, 2026 (Dive #76), prompt 4 of 7.

Answers worth giving

433 accepted answers on the game's sheet for this prompt.

Shown here: a selection of 8, best-scoring first. Recorded from a third-party archive of the official sheet.

Answers for: Name a standard type of insurance policy (all vehicles count as one type)
Answer	Tier	Points
Hole-in-one insuranceGolf tournaments buy it to cover a promised ace prize.	One in a Krillion	100
Twins insurancePays out when an expected single birth turns out multiple.	One in a Krillion	100
Abuse and molestation liability insurance	Deep Cut	85
Business insurance	Schooler	30
Collision coverage	Schooler	30
Disability insurance	Schooler	30
Earthquake insurance	Schooler	30
Fire insurance	Schooler	30