Please note that Tapas no longer supports Internet Explorer.
We recommend upgrading to the latest Microsoft Edge, Google Chrome, or Firefox.
Home
Comics
Novels
Community
Mature
More
Help Discord Forums Newsfeed Contact Merch Shop
Publish
Home
Comics
Novels
Community
Mature
More
Help Discord Forums Newsfeed Contact Merch Shop
__anonymous__
__anonymous__
0
  • Publish
  • Ink shop
  • Redeem code
  • Settings
  • Log out

The Adventurer Insurance Founder

Chapter 11

Chapter 11

Nov 15, 2025

The attack on Crestfall Risk Shield left the office in a damaged state. The front door hung from one hinge. The wooden counter had scorch marks along the edge. A portion of the left wall had been blackened by curse residue. Evan stood in the doorway and surveyed the wreckage with a steady expression. He did not feel fear. What he felt was responsibility. The attack proved how threatening his work had become to the Umbra Brokers. It also showed how important his company was to the adventurers who defended it.

Mira and Elira arrived early the next morning. Mira carried a broom and a small toolbox. Elira carried healing herbs and cleansing crystals. Garron arrived shortly after with lumber and tools. Draven arrived with a large bucket of fresh water and vinegar mixture used for removing curse residue. Without Evan asking, they began repairing the office. Evan watched silently for a moment feeling gratitude rise inside him. These people were not employees. They were not obligated to help. They came because they believed in the mission.

Mira swept broken wood. Garron replaced the shattered doorway. Draven scrubbed curse scorch marks from the walls. Elira walked slowly around the room whispering cleansing chants as pale light flowed from her hands and washed over the blackened marks. The dark energy retreated. The air grew lighter.

Evan thanked them sincerely. Mira smiled. We cannot let those criminals win she said. Drake from the ranger squad said half the adventurers in the city are talking about what happened. They see you as someone who is trying to protect them. Evan nodded. Then we must strengthen the system.

He set the Magic Risk Indicator on the table and examined the damage to the crystals. Two of the three crystals still glowed. The third had developed a fracture from the curse blast. He needed to repair it before they could collect new readings. Garron asked if Lira could help. Evan agreed and planned to visit her workshop later.

Elira placed new herbs next to the device. These stabilize energy alignment she said. They can help improve the reading accuracy. Evan studied them. Life energy harmonization combined with mana pressure detection. It sparked a new idea. The device could read magical instability but it could not predict how individuals reacted to danger. Each adventurer had different strengths and weaknesses. Evan began drawing diagrams in his notebook.

What are you planning Garron asked. Evan tapped his pencil against the notebook. We need a new model he said. Something that predicts the expected loss for each adventurer based on behavior patterns. Not just the dungeon or the enemy. Something that mixes magic probabilities with actuarial theory. Mira frowned. What does that mean. Evan explained slowly. On Earth we used actuarial science to estimate financial risk. It predicted the likelihood of events. If we combine that with divination we can create a model that shows not only danger but the probability of loss.

Elira’s eyes brightened. So it becomes a Divination Actuarial Model she said. Evan nodded. Yes. A model that blends fate and numbers. Garron scratched his head. Sounds complicated. Evan replied It is. But if we complete it we can predict survivability before adventurers take missions. It will change everything.

He began outlining the model. The first component would be mana drift analysis. The second would measure emotional stability. The third would track behavior patterns such as caution or aggression. The fourth would record magical compatibility. The fifth would incorporate divination probability curves. Together these factors would generate a projected loss diagram for each adventurer. Mira watched with fascination. You make danger look like a financial chart she said. Evan smiled because that was exactly what he planned.

That afternoon he visited Lira in her workshop. She raised her eyebrows the moment he walked in. I heard your office was attacked she said. Evan nodded. Black market curse dealers. They are reacting to our progress. Lira examined the cracked crystal. This fracture is severe she said. But I can repair it by combining it with a stronger divination shard. She pointed toward a glowing blue stone on her shelf. This is a fate resonance crystal. It helps interpret probability waves. If we blend this crystal with your device it may provide glimpses into future outcomes.

Evan considered this. A fusion of measurement and prediction. It aligned perfectly with his new model. Can we do it he asked. Lira nodded but warned him. Fate resonance crystals are unstable. They require exact calibration. If the layers misalign your readings could become distorted. Evan accepted the risk. Progress required experimentation.

Lira worked for hours. She cleaned the fracture with a mana needle. She pressed the fate resonance crystal into the frame. She infused stabilizing runes onto the edges. Evan assisted by recording the steps and adjusting the enchantment strength. When Lira finished she activated the device. The crystals lit with a faint glow then began spinning in elegant rhythm. A new color joined the readings. A soft pale purple glow that represented probability blending with mana.

Evan felt excitement stir within him. This upgrade was more than repair. It was evolution. Lira smirked. Your tool can now detect future hazard patterns. Not perfectly she added. But enough to warn you when risk trajectories rise.

Evan thanked her and carried the enhanced device back to the office. When he activated it the room filled with quiet hums. The crystals rotated with predictable cadence. He tested it with cursed dust from the ruins. The device flashed red. Then purple. A sequence of numbers appeared that indicated rising hazard cycles within three days. It worked.

That evening Evan gathered Mira, Elira, Garron, and Draven. He presented the new model. Divination actuarial theory maps potential outcomes he explained. When combined with mana readings we can estimate the probability of survival for each mission. Adventurers will know the real cost of danger. Elira nodded enthusiastically. It will save so many people she said. Draven crossed his arms. If it works we will know which missions to avoid. And which ones require backup.

Evan updated the risk board. New categories appeared. Baseline loss probability. Behavioral risk modifiers. Curse exposure multipliers. Team synergy ratings. This new system made danger visible in a way no one had imagined before.

As the lanterns dimmed and the office grew quiet Evan stood in front of the updated board. His company had survived an attack. It had grown stronger. The Umbra Brokers wanted silence but Crestfall Risk Shield answered with innovation. A safer world was now possible.

And this was only the beginning.

custom banner
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.

Comments (0)

See all
Add a comment

Recommendation for you

  • Secunda

    Recommendation

    Secunda

    Romance Fantasy 43.2k likes

  • Silence | book 2

    Recommendation

    Silence | book 2

    LGBTQ+ 32.3k likes

  • What Makes a Monster

    Recommendation

    What Makes a Monster

    BL 75.2k likes

  • Mariposas

    Recommendation

    Mariposas

    Slice of life 220 likes

  • The Sum of our Parts

    Recommendation

    The Sum of our Parts

    BL 8.6k likes

  • Find Me

    Recommendation

    Find Me

    Romance 4.8k likes

  • feeling lucky

    Feeling lucky

    Random series you may like

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.
Subscribe

27 episodes

Chapter 11

Chapter 11

3.7k views 0 likes 0 comments


Style
More
Like
List
Comment

Prev
Next

Full
Exit
0
0
Prev
Next