[Verse 1] Pandemic struck and businesses fell silent Thought their policies would pay the bills But "physical damage" meant something different Courts debated while the coverage kills Virus particles don't break your windows Government shutdowns aren't fires or floods Policy language cuts deeper than you know All-risks promises drowned in legal mud [Chorus] Black swan insurance - it's a tricky game Coverage narrows when the big storms came Physical loss, political strife Currency chaos disrupts your life Transfer the risk but read every line Insurance might fail when the stars align [Verse 2] Ukraine's crisis triggered political shields MIGA and DFC policies kicked in Expropriation, violence in the fields Contract frustration where wars begin But claims move slower than frozen assets Recovery tool, not continuity friend You'll get made whole when the dust settles Can't keep the lights on till the crisis ends [Chorus] Black swan insurance - it's a tricky game Coverage narrows when the big storms came Physical loss, political strife Currency chaos disrupts your life Transfer the risk but read every line Insurance might fail when the stars align [Bridge] Forward contracts hedge your currency bets Options and swaps guard against the fall But hedging has limits when markets forget Black swan events can destroy it all Industry learns from each disaster Exclusions multiply, premiums rise Next time coverage gets even vaster Gaps in protection, that's their disguise [Chorus] Black swan insurance - it's a tricky game Coverage narrows when the big storms came Physical loss, political strife Currency chaos disrupts your life Transfer the risk but read every line Insurance might fail when the stars align [Outro] Policy titles lie, the fine print tells truth Systemic events expose every flaw Plan for the gaps in your safety proof Insurance breaks when you need it most
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