[Verse 1] When the black swan lands upon your door Insurance seems like what you're looking for But coverage gaps can leave you high and dry The fine print matters more than you'd think why COVID taught us lessons hard to bear Business interruption wasn't there [Chorus] Read the language, not the title name All risk policies still play exclusion games Transfer works until the system breaks Insurance helps recovery, not the stakes Physical loss means more than you suppose That's how the insurance landscape goes [Verse 2] Ukraine crisis showed political risk Coverage for war and government's fist MIGA and DFC came through the storm But claims take time to process and transform Expropriation, violence, currency freeze Political risk helps but brings no ease [Chorus] Read the language, not the title name All risk policies still play exclusion games Transfer works until the system breaks Insurance helps recovery, not the stakes Physical loss means more than you suppose That's how the insurance landscape goes [Bridge] Forward contracts hedge your currency Options and swaps provide some certainty But black swan events break hedging tools Even the smartest risk transfer has rules Courts will split on what the words all mean Systemic shocks expose what's unforeseen [Verse 3] When crisis hits, insurers narrow scope They don't expand coverage, there's little hope Recovery tool, not continuity aid Getting made whole after damage is paid Largest dispute in insurance history Pandemic claims revealed the mystery [Chorus] Read the language, not the title name All risk policies still play exclusion games Transfer works until the system breaks Insurance helps recovery, not the stakes Physical loss means more than you suppose That's how the insurance landscape goes [Outro] Policy language matters most of all When black swans come and systems start to fall Transfer risk but plan for gaps you'll find Insurance landscape, keep this truth in mind
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