It's included in SpaceX's/ULA's/whoever's bid? Insurance doesn't reduce the costs of (whatever event you're insuring), it just evens them out. Instead of payin

It's included in SpaceX's/ULA's/whoever's bid? Insurance doesn't reduce the costs of (whatever event you're insuring), it just evens them out. Instead of paying for (e.g.) 1 failure every 25 launches, you pay for 0.04 failures on every launch (plus the insurance company's profit). So the payloads' costs still apply.