True! For large freighters I would still take the risk of sailing without insurance -except maybe for quite expensive loads-, but not for the bulk good carriers or large tankers...
And by all means always insure your passenger ships.
It's a bit surprising that so far no one seems to have done the calculations of cost vs. merit for Ocean Trader.
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A sickened, sensitive shadow writhing in hands that are not hands, and whirled blindly past ghastly midnights of rotting creation (Nyarlathotep, H.P. Lovecraft)
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