🚀 Insurance on the Moon?
It WILL eventually happen.
Alright… let’s talk about the elephant floating in zero gravity.
The latest launch from NASA’s Artemis program has everybody fired up again. Rockets roaring, billionaires grinning, politicians waving flags like we just planted one yesterday.
We’re not just visiting the moon anymore.
We’re moving in.
And here’s the question nobody’s asking…
Who’s writing the insurance policy?
🌕 The Ultimate Risk Nobody Can Price
Let me paint you a picture.
You’ve got:
No atmosphere
Radiation that’ll cook you like a rotisserie chicken
Temperatures swinging from freezer to furnace
Equipment failure = instant obituary
And someone’s supposed to sit in a cubicle and say:
“Yeah, that’s a $1,200 annual premium with a $5,000 deductible.”
Come on.
Insurance companies struggle to price flood zones in Florida,and we’ve got centuries of data on that.
Now you want them to price:
Lunar housing collapse
Oxygen system failure
Spacecraft malfunction mid-transfer
“Trip and fall” in low gravity (good luck litigating that one)
There’s no actuarial table for “guy drifts off into space because a latch didn’t hold.”
🧠 The Truth: Insurance Always Shows Up Late
Here’s how this plays out, same as it always does.
Innovation happens first (rockets, blockchain, AI…)
People take risks (sometimes big ones)
Losses happen
THEN insurance companies show up with clipboards and calculators
Look at:
Cybersecurity? Still a mess.
Crypto/DeFi? Barely touched, and it’s been around 15+ years.
Climate risk? Still being debated like it’s a bar argument.
And now we’re talking about the moon?
Insurance companies aren’t pioneers.
They’re historians with calculators.
🏗️ Moon Colonies: The Wild West 2.0
If we actually start building on the moon—and we will—it’s going to look like this:
Private companies taking insane risks
Governments backing early missions
Wealthy individuals footing the bill
Regular people eventually following
And for a long time?
No real insurance.
Just contracts, waivers, and a whole lot of “you knew what you signed up for.”
Sound familiar?
It should.
That’s exactly how insurance looked in the early days of shipping, railroads… even aviation.
💰 The First Moon Insurance Policies (When They Come)
When insurers finally jump in, expect:
Astronomical premiums (pun intended)
Massive exclusions
Limited coverage
Legal language thicker than a rocket manual
And here’s the kicker…
They’ll only insure what they understand.
Which means the first people on the moon?
They’re the guinea pigs.
🧨 Why This Matters to YOU (Right Now)
You might be thinking:
“Jack, I’m not going to the moon.”
Fair enough.
But here’s the reality…
You don’t have to go to the moon to get treated like you’re on your own.
Because right here on Earth:
Claims get denied
Policies get twisted
People get lowballed every single day
And unlike space…
You were promised protection.
🧠 Jack’s Bottom Line
The moon isn’t the story.
The story is this:
When risk gets complicated… insurance gets cautious.
And when insurance gets cautious… people get exposed.
That’s true whether you’re:
Launching a rocket
Building a business
Or filing a claim after a disaster
🔥 Call to Action
Before you worry about insurance on the moon,
Make sure you’re not getting ripped off right here on Earth.
👉 Take the Ripoff Detector Quiz
Find out in 60 seconds if your claim is being handled straight… or sideways. Answer just 5 questions
Because whether it’s Earth or outer space…
Nobody should get left floating.