Why do I need Temporal Insurance?
You're going to do it, aren't you? You're going to try to change the past. Don't pretend like you're not.
We've seen it before. The butterfly effect, the grandfather paradox, the whole 'I'm-a-genius-and-I-can-change-the-timestream' thing. We've got the forms, the lawyers, and the insurance policies to deal with it.
Don't be a hero. Be a smart hero.