A Hextech City Licensed Risk Management Corporation
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ACTIVE ADVISORY: MindCorp Paradox Contingency activation — Probability displacement active in surrounding districts — Enhanced coverage recommended — Quote turnaround: immediate
HEXTECH CITY // PROBABILITY RISK MANAGEMENT // SINCE THE FIRST CORPORATE CASCADE EVENT

When corporate stability decisions
externalize their probability costs,
you need coverage.

Temporal variance, speculative day syndrome, and displaced causality — all on one policy. Hextech Probability Insurance provides comprehensive coverage for the probability events that corporations create and residents absorb.

◈ HEXTECH COUNCIL LICENSED
◈ TEMPORAL VARIANCE CERTIFIED
◈ PARADOX CONTINGENCY RATED
◈ ACTIVE EVENT COVERAGE AVAILABLE NOW
GET A QUOTE — IMMEDIATE PROCESSING →
CURRENT PROBABILITY RISK INDEX
ELEVATED
Temporal Variance Index
7.4 / 10
Corporate Cascade Risk
ACTIVE — MindCorp
Speculative Day Probability
34%
Causality Displacement
Low-Moderate
Uninsured residents in zone
Majority
Risk levels updated every probability cycle. Current advisory relates to active MindCorp Paradox Contingency deployment. Coverage issued during active events is subject to a 48-hour temporal exclusion window. We recommend acting before your situation becomes a pre-existing condition.
// POLICY TIERS — CYCLE 7.441 RATES //

Find your coverage tier.

Four policy tiers. Each covers the probability events appropriate to your exposure level. The higher tiers cover events that the lower tiers specifically exclude. This is the nature of tiered coverage. We recommend reading which events your current tier excludes before deciding this is an acceptable arrangement.

BASELINE
18 credits / cycle
Neon Babylon residents // Low-proximity zones
◈ Minor temporal drift (up to 4 hours)
◈ Accidental probability resonance exposure
◈ Single-instance Speculative Day Syndrome
◈ Property damage from adjacent flux events
— Repeated Speculative Day episodes
— Corporate-origin cascade events
— Paradox Contingency displacement
Baseline is appropriate for residents with no direct probability field proximity. If you are reading this during the current MindCorp advisory, your proximity may have changed since your last assessment.
RECOMMENDED — CURRENT CONDITIONS
STANDARD
47 credits / cycle
Hextech City stabilized sectors // Adjacent district residents
◈ All Baseline coverage
◈ Extended temporal drift (up to 72 hours)
◈ Multiple Speculative Day episodes per quarter
◈ Corporate-origin cascade events (up to Class IV)
◈ Identity continuity following minor timeline merges
◈ Retroactive causality (limited — see Schedule B)
— Active Paradox Contingency events
Standard covers the majority of probability events experienced by Hextech City-adjacent residents. Most active corporate cascade events fall under Class IV or below. The current MindCorp event is provisionally classified Class V. We are monitoring.
COMPREHENSIVE
112 credits / cycle
Hextech City flux zones // Probability field proximity
◈ All Standard coverage
◈ Active Paradox Contingency displacement
◈ Unlimited Speculative Day episodes
◈ Full retroactive causality coverage
◈ Timeline merge — identity continuity guarantee
◈ Deliberate corporate externalization (limited)
◈ Consciousness displacement (partial)
Comprehensive is designed for residents who know they live in a probability-dense environment and have accepted this as their situation. HPI commends this level of self-awareness and provides commensurately honest coverage.
PARADOX
340 credits / cycle
Active event zones // Paradox Contingency proximity
◈ All Comprehensive coverage
◈ Full deliberate corporate externalization
◈ Consciousness displacement — complete coverage
◈ Memory continuity following reality reconciliation
◈ Existence continuity — primary timeline preference
◈ Events that haven't happened yet*
*Coverage of future events is subject to the Hextech Council's Temporal Insurance Directive 7.4, which limits liability for events that have not yet occurred but which have been retroactively caused. This is a legal distinction that HPI's attorneys have worked very hard to establish. It means less than it appears to.
// COVERED CONDITIONS — POLICY GLOSSARY //

What we're covering when we say we're covering it.

Insurance policies are only as useful as the definitions they contain. The following are HPI's formal definitions of covered conditions. We have made them as clear as the subject matter permits.

Temporal Variance
A condition in which the policyholder's subjective experience of time diverges from the objective time measurement of the surrounding district. Caused primarily by probability field proximity. Symptoms include arriving at appointments before leaving for them, experiencing the second half of a conversation before the first, and calendar discrepancies between personal devices and district infrastructure. HPI covers temporal variance events of 4 hours or more (tier-dependent). Events below 4 hours are classified as "minor drift" and are considered within normal Hextech City operational tolerances.
Covered from: BASELINE
Speculative Day Syndrome
A condition in which the policyholder experiences multiple versions of a single day simultaneously or sequentially due to probability field interaction. Each version is equally real. The policyholder retains memories of all versions. The condition resolves when probability fields stabilize, leaving the policyholder with memories of days that did not occur. HPI covers documented Speculative Day episodes, including therapy costs for memory reconciliation. Coverage does not extend to decisions made during non-primary-timeline versions of the affected day. This has been clarified in fifteen separate Hextech Tribunal cases. We always win.
Covered from: BASELINE (single episode) / STANDARD (multiple)
Displaced Causality
A condition in which the cause of an event is different from what the policyholder remembers. Most commonly caused by corporate probability field manipulation, which can alter the causal chain of local events retroactively. The policyholder experiences a correctly-caused event but remembers a different cause. HPI covers the practical consequences of displaced causality — financial losses, relationship damage, missed obligations — but does not cover the correction of the policyholder's memory, as memories of displaced causality are considered accurate records of their actual experience.
Covered from: STANDARD (limited) / COMPREHENSIVE (full)
Paradox Contingency Displacement
When a corporation activates a Paradox Contingency — a legally permitted but rarely intended emergency probability stabilization measure — the displaced probability must go somewhere. It goes, in roughly equal proportions, to surrounding districts. Policyholder displacement includes temporal relocation, probability cascade exposure, and in rare cases, existence in a locally-stabilized region while surrounding reality undergoes emergency reconciliation. HPI covers all documented Paradox Contingency displacement events, including the period between the event occurring and the policyholder realizing it has occurred, which in several historical cases has been several years.
Covered from: COMPREHENSIVE / PARADOX (full corporate-origin)
Existence Continuity
HPI's Paradox tier includes what we call Existence Continuity coverage — a guarantee that in the event of a reality reconciliation event that results in two or more simultaneous instances of the policyholder existing in the primary timeline, HPI will cover the legal, administrative, and psychological costs of consolidating these instances. The coverage does not guarantee that the correct instance is retained. HPI's legal definition of "correct" in this context is the instance that holds the policy. We chose this definition deliberately.
Covered from: PARADOX tier only
Deliberate Corporate Externalization
The condition most residents living near Hextech City are actually experiencing. Corporations activate probability stabilization measures for their facilities, which displaces the probability cost to the surrounding area. This is legal. It is also the primary driver of HPI's claims volume. The MindCorp Paradox Contingency currently active is a textbook example. HPI's Standard tier covers Corporate Cascade events up to Class IV. The current event is Class V. We are covering it under emergency provisions. We will be adjusting Standard tier pricing in the next cycle. We recommend upgrading to Comprehensive before that adjustment occurs.
Covered from: STANDARD (Class I–IV) / COMPREHENSIVE (Class V+)
// QUOTE CALCULATOR — IMMEDIATE PROCESSING //

Get your probability risk quote.

Five questions. Immediate result. Your premium is calculated based on your current probability exposure profile. HPI processes quotes in real time. The rate you receive today reflects today's risk environment. Given current conditions, we recommend not waiting.

01 / 05
Where do you currently reside?
// RECENT CLAIMS — ANONYMISED REGISTER //

What we've covered recently.

HPI-CLM-441-7721
SPECULATIVE DAY SYNDROME
SETTLED
Policyholder experienced 17 simultaneous versions of a Thursday during a MindCorp probability field test. Each version was substantially different. The policyholder made different financial decisions in 14 of the 17 versions. Three of those decisions were financially significant. Coverage applied to the consequences of decisions made in the non-primary versions. Policyholder initially disputed our determination of which version was primary. The Hextech Tribunal ruled in HPI's favour. The Thursday has since been archived.
Settlement: 4,400 credits // Processing time: 3 cycles // Tribunal review: not required in the primary timeline
HPI-CLM-441-7688
DISPLACED CAUSALITY — PROPERTY DAMAGE
SETTLED
Policyholder's residence sustained structural damage from a probability cascade originating at a Quantum Helix Industries research facility. The damage occurred before the cascade did, due to retroactive causality displacement. This created an initial dispute over whether the damage was covered, as it pre-dated the event that caused it. HPI's Schedule B provisions for retroactive causality resolved this. Coverage confirmed. We paid.
Settlement: 22,100 credits // Processing time: 7 cycles (retroactive date calculation required)
HPI-CLM-441-7801
PARADOX CONTINGENCY DISPLACEMENT — ACTIVE
PROCESSING
Filed during the current MindCorp Paradox Contingency event. Policyholder reports experiencing three simultaneous versions of the present moment and requests guidance on which one to act in. HPI's reconciliation team is currently assessing. We have advised the policyholder to select the version that contains the least immediate danger and remain there. The policyholder has indicated that all three versions contain the same level of immediate danger, which is moderate. We are continuing to advise.
Status: ACTIVE // Estimated resolution: when the event resolves // Policyholder status: present in all versions
HPI-CLM-441-7655
EXISTENCE CONTINUITY — DUAL INSTANCE
COMPLEX
Two instances of the same policyholder filed simultaneous claims following a probability field collapse event. Both claims were identical in content. HPI's policy specifies that the instance holding the policy takes precedence. Both instances hold the same policy. Both instances are the same policyholder. HPI's legal team is currently developing a resolution framework. Both instances have been advised that this is a novel situation and that HPI appreciates their patience. Both instances have expressed that they do not feel patient.
Status: COMPLEX — PRECEDENT CASE // Legal: active // Both instances: present, frustrated
Hextech Probability Insurance is licensed by the Hextech Council of Temporal Infrastructure under Charter 7.441.T and is registered with the Nexus Prime Risk Registry as a Class IV Temporal Liability Insurer. HPI policies are governed by the laws of Hextech City's primary stabilized timeline, which HPI does not guarantee to be the same timeline in which the policyholder resides at the time of claim. Temporal Variance Insurance Directive 7.4 limits HPI's liability for events that have not yet occurred but which have been retroactively caused to the equivalent of their forward-dated premium value. HPI is not responsible for probability events caused by the policyholder's own decisions, except in cases where those decisions were made in a non-primary timeline version of a Speculative Day episode, in which case coverage applies to the primary timeline consequences only. HPI notes that corporations operating in Hextech City are legally permitted to externalize probability costs to surrounding areas under the Corporate Stability Priority Framework. HPI does not consider this arrangement appropriate. HPI has been operating since the first Corporate Cascade Event and will be operating after the last one. We will still be here. Make sure you are too.