“Act of God” insurance policy

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Artifacts of Godville
“Act of God” insurance policy
Type 💎Bold
Description Protection from divine intervention.

A very rare and valuable piece of paper. The "Act of God" insurance policy is a document that, for a hero, is of no use other than to sell to a trader. These documents are then hoarded by the merchants. If their store/stall/cart is damaged or destroyed by the errant meteor or lightning bolt of a careless deity, they can cash out this policy at any bank to instantly pay for any damages incurred.

See, this one is a win-win for everyone. Unless your hero got hoodwinked into giving it to the trader for free, but I'm sure your hero would never do that with a bold artifact, right?