It&#x27;s included in SpaceX&#x27;s&#x2F;ULA&#x27;s&#x2F;whoever&#x27;s bid?<p>Insurance doesn&#x27;t reduce the costs of (whatever event you&#x27;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&#x27;s profit).<p>So the payloads&#x27; costs still apply.