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The Adventurer Insurance Founder

Chapter 4

Chapter 4

Nov 15, 2025

The next morning Evan arrived at the office early. The sun had barely reached the rooftops when he lit the lanterns and placed the risk device on the counter. He wanted to refine the risk formulas before more adventurers arrived. He spent an hour reviewing the previous day’s readings. Ryn’s cracked sword contributed a moderate risk raise. Garron’s curse damage indicated severe hazard escalation in the western ruins. Elira’s description of life energy fluctuations gave him new categories to track. He reorganized his parchment sheets and created cleaner charts.

When he finished he stepped outside to stretch his legs. That was when he noticed a crowd forming near the guild entrance. Several adventurers argued loudly. Evan approached and soon realized the argument was about him. One man shouted He is changing things. He is telling us how to fight. Another replied He saved Garron yesterday. The curse trap reading was correct. A third adventurer argued He does not understand real danger. Numbers cannot fight monsters.

Evan sighed because he expected resistance. In every world new ideas faced doubt. Mira approached him quickly. Things are getting noisy she said. The guild master wants to talk to you. Evan followed her inside. The guild hall was crowded. The guild master stood near the mission boards with arms crossed. He was a heavy man with a thick beard and a commanding presence.

So you are the man trying to predict danger he said. Evan nodded respectfully. I am analyzing patterns to reduce unnecessary deaths. The guild master frowned. People die because they are weak. It is the nature of adventurers. Evan kept his voice steady. It does not have to be that way. If we can identify high risk missions we can prepare better. The guild master leaned closer. Preparation is the job of adventurers not an outsider with strange devices.

Evan opened his notebook. With your permission I want to show you something he said. The guild master looked annoyed but nodded. Evan displayed a chart showing fatal incidents over the past five years. The chart revealed clear spikes during certain moon phases and seasonal mana surges. He pointed to the pattern. This is not random he said. Adventurers die more frequently during these cycles. But the guild continues sending people without adjusting recommendations.

The guild master studied the chart. His expression softened slightly but his voice remained stern. Even if this is true how do you plan to change behavior. Adventurers are stubborn. Evan replied quietly. By giving them tools to understand danger. By offering financial protection. By rewarding safe habits. By showing them that survival is not luck.

The guild master stroked his beard. And you want access to more records. Evan nodded. If I can analyze complete data I can build a model that helps the guild as well. The master paused. I will consider it he said. But know this. Many adventurers think your ideas are strange. Be careful how fast you push them.

Evan thanked him and left the guild hall. Mira walked beside him. That was not bad she said. He did not throw you out. Evan chuckled softly. That is progress. But resistance will grow. I need more proof.

He returned to his office and placed a large parchment titled Risk Score Board on the wall. It listed several local dungeons with estimated risk levels based on the data he had collected. He used clear handwriting and simple descriptions. Mana pressure high. Monster movement moderate. Curse density rising. Environmental hazards low. He wanted adventurers to understand quickly.

As he finished writing he heard footsteps outside. Three adventurers walked in together. A tank. A ranger. And a support mage. They looked serious. Is this the place that gives danger scores the tank asked. Evan nodded. We are preparing for a job in the Mist Caverns the ranger said. Rumor says the caverns have changed lately. We want information.

Evan pulled out the device and pointed it toward their equipment. The crystals lit up with different colors. Their armor showed minor curse traces. Their tools had stable mana readings. He wrote their numbers down and then reviewed the dungeon’s historical data. The Mist Caverns had increased mana drift during the last week. That meant unpredictable monster spawn points. He explained the risk factors to them.

The tank frowned. The guild never told us that. Evan nodded. They lack the data. The mage asked what they should do. Evan recommended stronger light sources and a detection charm. The ranger immediately agreed. That is useful she said. We will adjust our route.

Before leaving the tank asked about insurance. Evan showed them the Silver and Gold plans. After a brief discussion the group agreed to purchase the Silver plan. They signed the parchment and left with improved equipment notes. Evan recorded the transaction. Three more clients. The company was growing faster than expected.

By midday several new adventurers arrived. Some heard that Garron survived a deadly trap because of Evan’s warnings. Some wanted risk readings before accepting jobs. Some simply wanted to see the strange device. Evan stayed calm and explained the system to each visitor. Mira passed by during her lunch break and saw the line forming outside the office. She grinned widely. Looks like you are starting a movement she said. Evan smiled. Data is convincing he replied. People trust numbers when they see patterns.

But the growth brought new problems. A group of senior adventurers entered the office with unfriendly expressions. Their leader a scarred warrior named Draven slammed a hand on the counter. You are interfering with the natural order he said. Adventurers survive by instinct not numbers. Your device is making people afraid. Evan replied calmly. Fear based on real danger is healthy. It saves lives. Draven sneered. If people rely on your numbers they forget their training. You will make them weak.

Evan shook his head. Knowledge is strength he said. Preparation is not weakness. Draven left without buying anything but his anger was clear. Evan understood that some adventurers would always resist change. His goal was not to convert everyone. His goal was to create structure for those who wanted it.

As the afternoon passed Evan noticed a shift. For every critic two new customers arrived. He completed dozens of risk readings. He sold multiple Bronze and Silver plans. He recorded each reading into the risk index. With each entry the model sharpened. After sunset he updated the Risk Score Board again. The western ruins increased from high to severe due to repeated curse readings. He added a warning mark. Avoid if possible.

Just as he finished the door opened again. It was Elira the healer. She carried a basket of herbs. These are for you she said. They help calm the mind. Evan thanked her and invited her inside. She examined the new risk charts and smiled. You are changing the city she said. People look at these scores before they leave for missions. Evan nodded. It is only the beginning.

But Elira’s smile faded. Be careful she warned. Some people want chaos. Chaos gives them advantages. They will not like what you are doing. Evan understood. Risk control threatened people who profited from accidents. There would be resistance not only from stubborn adventurers but from those with darker motives.

As the office grew quiet Evan sat at his desk and reflected. Today had proven that the city was ready for a new system. A world that lived on chaos was beginning to accept structure. Irrational fear was slowly being replaced by measured caution. Evan closed his notebook and whispered to himself. This company will be the shield behind every hero. The numbers will save lives.

And tomorrow he would continue building the foundation of a safer world.

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Claram
Claram

Creator

In a fantasy world where adventurers die faster than quests can be posted, one man decides to change everything. Evan Crestfall, a calm and analytical former risk modeler from another world, arrives in a land filled with monsters, dungeons, curses, and chaotic magic. After seeing how unprepared adventurers are and how little the guild understands real danger, he establishes the first Adventurer Insurance Company.

Evan creates new insurance plans that cover injuries, death benefits, equipment loss, and team based risk sharing. He introduces magical risk indicators, divination actuarial forecasting, and behavior based premium adjustment. With these tools he can predict the danger of every quest and calculate the survival chances of every adventurer.

As Evan reshapes the entire guild economy, competitors appear. Some are honest and want to learn from him. Others are black market operators who curse their customers to avoid paying claims. Between battles with magical beasts and battles with corrupt insurers, Evan must defend his growing company and prove that risk control is as heroic as any sword or spell.

This is the story of how one man builds a new industry in a world ruled by chaos and danger and how his work becomes the shield behind every hero.

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The Adventurer Insurance Founder
The Adventurer Insurance Founder

101k views108 subscribers

In a fantasy world where adventurers die faster than quests can be posted, one man decides to change everything. Evan Crestfall, a calm and analytical former risk modeler from another world, arrives in a land filled with monsters, dungeons, curses, and chaotic magic. After seeing how unprepared adventurers are and how little the guild understands real danger, he establishes the first Adventurer Insurance Company.

Evan creates new insurance plans that cover injuries, death benefits, equipment loss, and team based risk sharing. He introduces magical risk indicators, divination actuarial forecasting, and behavior based premium adjustment. With these tools he can predict the danger of every quest and calculate the survival chances of every adventurer.

As Evan reshapes the entire guild economy, competitors appear. Some are honest and want to learn from him. Others are black market operators who curse their customers to avoid paying claims. Between battles with magical beasts and battles with corrupt insurers, Evan must defend his growing company and prove that risk control is as heroic as any sword or spell.

This is the story of how one man builds a new industry in a world ruled by chaos and danger and how his work becomes the shield behind every hero.
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Chapter 4

Chapter 4

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