On insurances:
The fix will not solve the problem which it is aiming at. Simply since the issue is generated not by insurance itself but by too low raw materials prices.
At the moment market is pretty much dead besides raw materials market due to stuff being sold there with at least 250% profit margins. This simply forces everyone towards manufacturing goods of need themselves rather that letting trade flourish.
Prices can not drop lower than they currently are due to insurance pay outs. Yes, only bots/mechs give insurance but that insurance is dictating the market prices for everything else, since frankly, why would someone produce something which is less profitable.
Knowing those 2 things, let's get to cause and possible solutions.
Cause is pretty obvious. Low raw material cost. It is mostly caused by amount of materials generated on alpha islands. To put it simply, you have something which is generating huge amounts of "value" without losing any "value" besides mining charges. Such things will always generate huge problems for the market simply due to messing up prices.
Solution A) Wait for raw material prices to increase, which will lower the profitability of manufacturing (market sorting itself). But this solution will take 3-4 weeks for market to stabilize at least, during which people "making" money will make 30-50 times the money they currently own (atm you can more than double your cash in 3 days via production. I will not go into detail furthermore due to obvious reasons).
Solution B) Cut raw material regeneration speed on alpha AND beta islands by 30-50%. This would automatically create a shortage of raw material in the market which would naturaly increase the market price while reducing the profitability of production. Furthermore, it would force a significant amount of miners to consider movemet to beta islands, which would overall reduce the issue of value generation without any investment which I wrote about earlier. More miners on beta as well as slower raw material generation would mean "safe" fields on beta islands would be drained much faster (you nkow, those like 500meters away from terminal) forcing beta miners to venture a bit mroe into the risk areas. Miners venturing into risk areas means they will now and then lose their mining equipment, which solves "no investement required" to generate huge amounts of market value via mining and therefore would indirectly influence the price of raw material even more.
TLDR: Faster insurance calc doesn't solve *** as long as raw materials are at prices similar to current ones. Prices should be at least 200% higher for insurance issue to be solved. Either wait until market solves itself in next month or so while several people amass billions of nic via production, or nerf mineral respawn rate and naturaly increase raw materials price due to competition/shortage/higher risk.