diff --git a/Projects/Server/FeatureFlags.cs b/Projects/Server/FeatureFlags.cs
index 99d6f9226..a70b4e452 100644
--- a/Projects/Server/FeatureFlags.cs
+++ b/Projects/Server/FeatureFlags.cs
@@ -10,4 +10,5 @@ public static class ServerFeatureFlags
     public static bool PvPCombat { get; set; } = true;
     public static bool BankAccess { get; set; } = true;
     public static bool SpeedhackDetection { get; set; }
+    public static bool InsuranceEnabled { get; set; }
 }
diff --git a/Projects/Server/Items/Item.cs b/Projects/Server/Items/Item.cs
index 907b71dd4..4d5ee13b3 100644
--- a/Projects/Server/Items/Item.cs
+++ b/Projects/Server/Items/Item.cs
@@ -1884,7 +1884,7 @@ public partial class Item : IHued, IComparable<Item>, ISpawnable, IObjectPropert
         {
             list.Add(1049643); // cursed
         }
-        else if (Insured)
+        else if (ServerFeatureFlags.InsuranceEnabled && Insured)
         {
             list.Add(1061682); // <b>insured</b>
         }
@@ -4215,11 +4215,13 @@ public partial class Item : IHued, IComparable<Item>, ISpawnable, IObjectPropert
         Delete();
     }
 
-    public virtual bool CheckBlessed(Mobile m) => m_LootType == LootType.Blessed || Insured || m != null && m == BlessedFor;
+    public virtual bool CheckBlessed(Mobile m) =>
+        m_LootType == LootType.Blessed || ServerFeatureFlags.InsuranceEnabled && Insured || m != null && m == BlessedFor;
 
     public virtual bool CheckNewbied() => m_LootType == LootType.Newbied;
 
-    public virtual bool IsStandardLoot() => !Insured && BlessedFor == null && m_LootType == LootType.Regular;
+    public virtual bool IsStandardLoot() =>
+        (!ServerFeatureFlags.InsuranceEnabled || !Insured) && BlessedFor == null && m_LootType == LootType.Regular;
 
     public override string ToString() => $"{Serial} \"{GetType().Name}\"";
 
diff --git a/Projects/UOContent/Engines/FeatureFlags/FeatureFlagManager.cs b/Projects/UOContent/Engines/FeatureFlags/FeatureFlagManager.cs
index 0402ad9a1..e599aeeb6 100644
--- a/Projects/UOContent/Engines/FeatureFlags/FeatureFlagManager.cs
+++ b/Projects/UOContent/Engines/FeatureFlags/FeatureFlagManager.cs
@@ -962,20 +962,21 @@ public static class FeatureFlagManager
         _ = key.ToLowerInvariant() switch
         {
             // Server project flags
-            "player_trading" => ServerFeatureFlags.PlayerTrading = enabled,
-            "pvp_combat"     => ServerFeatureFlags.PvPCombat = enabled,
-            "bank_access"          => ServerFeatureFlags.BankAccess = enabled,
-            "speedhack_detection"  => ServerFeatureFlags.SpeedhackDetection = enabled,
+            "player_trading"      => ServerFeatureFlags.PlayerTrading = enabled,
+            "pvp_combat"          => ServerFeatureFlags.PvPCombat = enabled,
+            "bank_access"         => ServerFeatureFlags.BankAccess = enabled,
+            "speedhack_detection" => ServerFeatureFlags.SpeedhackDetection = enabled,
+            "insurance"           => ServerFeatureFlags.InsuranceEnabled = enabled,
 
             // UOContent flags
-            "vendor_purchase"        => ContentFeatureFlags.VendorPurchase = enabled,
-            "vendor_sell"            => ContentFeatureFlags.VendorSell = enabled,
-            "player_vendors"         => ContentFeatureFlags.PlayerVendors = enabled,
-            "house_placement"        => ContentFeatureFlags.HousePlacement = enabled,
-            "boat_placement"         => ContentFeatureFlags.BoatPlacement = enabled,
-            "bulk_orders"            => ContentFeatureFlags.BulkOrders = enabled,
-            "passive_detect_hidden"  => ContentFeatureFlags.PassiveDetectHidden = enabled,
-            "young_player_system"    => ContentFeatureFlags.YoungPlayerSystem = enabled,
+            "vendor_purchase"          => ContentFeatureFlags.VendorPurchase = enabled,
+            "vendor_sell"              => ContentFeatureFlags.VendorSell = enabled,
+            "player_vendors"           => ContentFeatureFlags.PlayerVendors = enabled,
+            "house_placement"          => ContentFeatureFlags.HousePlacement = enabled,
+            "boat_placement"           => ContentFeatureFlags.BoatPlacement = enabled,
+            "bulk_orders"              => ContentFeatureFlags.BulkOrders = enabled,
+            "passive_detect_hidden"    => ContentFeatureFlags.PassiveDetectHidden = enabled,
+            "young_player_system"      => ContentFeatureFlags.YoungPlayerSystem = enabled,
             "bitmap_pathfinding_cache" => ContentFeatureFlags.BitmapPathfindingCache = enabled,
         };
     }
diff --git a/Projects/UOContent/Engines/Insurance/Insurance.cs b/Projects/UOContent/Engines/Insurance/Insurance.cs
index aa27f0028..da29b5592 100644
--- a/Projects/UOContent/Engines/Insurance/Insurance.cs
+++ b/Projects/UOContent/Engines/Insurance/Insurance.cs
@@ -10,12 +10,12 @@ namespace Server.Engines.Insurance;
 
 public static class Insurance
 {
-    public static bool Enabled { get; private set; }
+    public static bool Enabled => ServerFeatureFlags.InsuranceEnabled;
     private static Dictionary<Mobile, InsuranceContext> _insuranceContexts;
 
     public static void Configure()
     {
-        Enabled = ServerConfiguration.GetSetting("insurance.enable", Core.AOS);
+        ServerFeatureFlags.InsuranceEnabled = ServerConfiguration.GetSetting("insurance.enable", Core.AOS);
 
         if (Enabled)
         {
@@ -72,7 +72,7 @@ public static class Insurance
 
     public static bool CheckItemInsuranceOnDeath(PlayerMobile from, Item item)
     {
-        if (!item.Insured)
+        if (!Enabled || !item.Insured)
         {
             return false;
         }
diff --git a/Projects/UOContent/Items/Deeds/ClothingBlessDeed.cs b/Projects/UOContent/Items/Deeds/ClothingBlessDeed.cs
index 7139ab552..25860f542 100644
--- a/Projects/UOContent/Items/Deeds/ClothingBlessDeed.cs
+++ b/Projects/UOContent/Items/Deeds/ClothingBlessDeed.cs
@@ -26,7 +26,7 @@ public class ClothingBlessTarget : Target // Create our targeting class (which w
             }
 
             // Check if its already newbied (blessed)
-            if (item.LootType == LootType.Blessed || item.BlessedFor == from || item.Insured)
+            if (item.LootType == LootType.Blessed || item.BlessedFor == from || Insurance.Enabled && item.Insured)
             {
                 from.SendLocalizedMessage(1045113); // That item is already blessed
             }
diff --git a/Projects/UOContent/Mobiles/Abilities/DestroyEquipment.cs b/Projects/UOContent/Mobiles/Abilities/DestroyEquipment.cs
index 91f9bca57..ff7937ded 100644
--- a/Projects/UOContent/Mobiles/Abilities/DestroyEquipment.cs
+++ b/Projects/UOContent/Mobiles/Abilities/DestroyEquipment.cs
@@ -1,4 +1,5 @@
 using Server.Collections;
+using Server.Engines.Insurance;
 using Server.Items;
 
 namespace Server.Mobiles;
@@ -23,7 +24,7 @@ public class DestroyEquipment : MonsterAbilitySingleTarget
                 continue;
             }
 
-            if (item.Insured)
+            if (Insurance.Enabled && item.Insured)
             {
                 continue;
             }
diff --git a/Projects/UOContent/Mobiles/PlayerMobile.cs b/Projects/UOContent/Mobiles/PlayerMobile.cs
index 6f1fb4d04..83c0e4cca 100644
--- a/Projects/UOContent/Mobiles/PlayerMobile.cs
+++ b/Projects/UOContent/Mobiles/PlayerMobile.cs
@@ -2397,7 +2397,8 @@ namespace Server.Mobiles
 
         [MethodImpl(MethodImplOptions.AggressiveInlining)]
         private bool FindItems_Callback(Item item) =>
-            !item.Deleted && (item.LootType == LootType.Blessed || item.Insured) && Backpack != item.Parent;
+            !item.Deleted && Backpack != item.Parent &&
+            (item.LootType == LootType.Blessed || ServerFeatureFlags.InsuranceEnabled && item.Insured);
 
         public override bool OnBeforeDeath()
         {