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fubarobfusco comments on Improving long-run civilisational robustness - Less Wrong
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If I blow up the planet, neither my insurance nor your lawsuit is going to help anything. Which is to say, this proposal is just a wealth transfer to insurance companies, since they never have to pay out.
If you're running a synthetic biology company, and have to be insured against major pandemics, you may need more risk reduction measures to stay profitable, reducing existential risk, precisely because many pandemics can bring on costs without causing extinction.