While we have been working on this project, one of the founders has recovered between 6 and 7 thousand dollars. That money has come in spurts. There may be many months that everything matches. And then, suddenly, there is month with a few cancellations, maybe a premium trip or two and somewhere the company misses a beat. That can be over a thousand dollars in that single month.
You wouldn’t leave your house uninsured just because there hasn’t been any hail or fire for the last few months. Given the big stakes with your pay, it makes sense to insure that as well.