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Kae'Yoss said:So if my sword is sundered by the evil Blackguard, they get me a new one? Or do they pay for the True Res?
I mean, that's life insurance like you'd get it in D&D: "If you die, we bring you back!". Of course, there'd be different services: Raise dead, Resurrection, True Res. And animate dead if you don't pay your bills.
I wonder how much that would cost for an adventurer per month. For an NPC? Named one? Unnamed one? "How far away is the next encounter site, mister Generic Baker?"
Man, if they don't offer it, I'm sure Lloyd's of London would... They are the ones that offer Alien Abduction insurance, and struck by a meteor (or is that meteorite?) insurance...