diff --git a/Laptop/insurance Contract.cpp b/Laptop/insurance Contract.cpp
index d9057c18..16228187 100644
--- a/Laptop/insurance Contract.cpp	
+++ b/Laptop/insurance Contract.cpp	
@@ -25,6 +25,7 @@
 	#include "Strategic Status.h"
 	#include "Assignments.h"
 	#include "Map Screen Interface.h"
+	#include "Interface.h"				// added by Flugente
 #endif
 #include <vector>
 
@@ -1188,6 +1189,9 @@ INT32	CalculateInsuranceContractCost( INT32 iLength, UINT8 ubMercID )
 	// calculate the overall insurability risk factor for this merc by combining all the subfactors
 	flRiskFactor = flSkillFactor * flFitnessFactor * flExpFactor * flSurvivalFactor;
 
+	// Flugente: backgrounds
+	flRiskFactor = flRiskFactor * (100 + pSoldier->GetBackgroundValue(BG_PERC_INSURANCE)) / 100;
+
 	// restrict the overall factor to within reasonable limits
 	if (flRiskFactor < MIN_INSURANCE_RATIO)
 	{
diff --git a/Tactical/Interface.h b/Tactical/Interface.h
index 20de5a63..031ba869 100644
--- a/Tactical/Interface.h
+++ b/Tactical/Interface.h
@@ -183,6 +183,7 @@ enum {
 	// various
 	BG_BONUS_BREACHINGCHARGE,
 	BG_PERC_CTH_CREATURE,
+	BG_PERC_INSURANCE,
 
 	BG_MAX,
 };
diff --git a/Tactical/XML_Background.cpp b/Tactical/XML_Background.cpp
index b53ced2c..65c44ac9 100644
--- a/Tactical/XML_Background.cpp
+++ b/Tactical/XML_Background.cpp
@@ -118,6 +118,7 @@ backgroundStartElementHandle(void *userData, const XML_Char *name, const XML_Cha
 				strcmp(name, "approach_recruit") == 0 ||
 				strcmp(name, "breachingcharge") == 0 ||
 				strcmp(name, "cth_vs_creatures") == 0 ||
+				strcmp(name, "insurance") == 0 ||
 				strcmp(name, "druguse") == 0 ||
 				strcmp(name, "xenophobic") == 0 ||				
 				strcmp(name, "corruptionspread") == 0 ||
@@ -488,6 +489,11 @@ backgroundEndElementHandle(void *userData, const XML_Char *name)
 			pData->curElement = ELEMENT;
 			pData->curBackground.value[BG_PERC_CTH_CREATURE] = min(20, max(-20, (INT16) atol(pData->szCharData) ));
 		}
+		else if(strcmp(name, "insurance") == 0)
+		{
+			pData->curElement = ELEMENT;
+			pData->curBackground.value[BG_PERC_INSURANCE] = min(200, max(-50, (INT16) atol(pData->szCharData) ));
+		}
 		else if(strcmp(name, "druguse") == 0)
 		{
 			pData->curElement = ELEMENT;
diff --git a/Utils/_ChineseText.cpp b/Utils/_ChineseText.cpp
index 24351106..911a73f8 100644
--- a/Utils/_ChineseText.cpp
+++ b/Utils/_ChineseText.cpp
@@ -7686,6 +7686,7 @@ STR16	szBackgroundText_Value[]=
 
 	L" %s%d%% chance of success with door breaching charges\n",
 	L" %s%d%% cth with firearms against creatures\n",
+	L" %s%d%% insurance cost\n",
 };
 
 #endif //CHINESE
diff --git a/Utils/_DutchText.cpp b/Utils/_DutchText.cpp
index 70273bee..27f34c3b 100644
--- a/Utils/_DutchText.cpp
+++ b/Utils/_DutchText.cpp
@@ -7685,6 +7685,7 @@ STR16	szBackgroundText_Value[]=
 
 	L" %s%d%% chance of success with door breaching charges\n",
 	L" %s%d%% cth with firearms against creatures\n",
+	L" %s%d%% insurance cost\n",
 };
 
 #endif //DUTCH
diff --git a/Utils/_EnglishText.cpp b/Utils/_EnglishText.cpp
index 3e0277da..8e14d075 100644
--- a/Utils/_EnglishText.cpp
+++ b/Utils/_EnglishText.cpp
@@ -7669,6 +7669,7 @@ STR16	szBackgroundText_Value[]=
 
 	L" %s%d%% chance of success with door breaching charges\n",
 	L" %s%d%% cth with firearms against creatures\n",
+	L" %s%d%% insurance cost\n",
 };
 
 #endif //ENGLISH
diff --git a/Utils/_FrenchText.cpp b/Utils/_FrenchText.cpp
index da369dad..14252e97 100644
--- a/Utils/_FrenchText.cpp
+++ b/Utils/_FrenchText.cpp
@@ -7669,6 +7669,7 @@ STR16	szBackgroundText_Value[]=
 
 	L" %s%d%% chance of success with door breaching charges\n",
 	L" %s%d%% cth with firearms against creatures\n",
+	L" %s%d%% insurance cost\n",
 };
 
 #endif //FRENCH
diff --git a/Utils/_GermanText.cpp b/Utils/_GermanText.cpp
index c3839b5c..2e1e1aff 100644
--- a/Utils/_GermanText.cpp
+++ b/Utils/_GermanText.cpp
@@ -7494,6 +7494,7 @@ STR16	szBackgroundText_Value[]=
 
 	L" %s%d%% chance of success with door breaching charges\n",
 	L" %s%d%% cth with firearms against creatures\n",
+	L" %s%d%% insurance cost\n",
 };
 
 #endif //GERMAN
diff --git a/Utils/_ItalianText.cpp b/Utils/_ItalianText.cpp
index b07b1437..982979e1 100644
--- a/Utils/_ItalianText.cpp
+++ b/Utils/_ItalianText.cpp
@@ -7672,6 +7672,7 @@ STR16	szBackgroundText_Value[]=
 
 	L" %s%d%% chance of success with door breaching charges\n",
 	L" %s%d%% cth with firearms against creatures\n",
+	L" %s%d%% insurance cost\n",
 };
 
 #endif //ITALIAN
diff --git a/Utils/_PolishText.cpp b/Utils/_PolishText.cpp
index c4ad4d94..5a2349e7 100644
--- a/Utils/_PolishText.cpp
+++ b/Utils/_PolishText.cpp
@@ -7691,6 +7691,7 @@ STR16	szBackgroundText_Value[]=
 
 	L" %s%d%% chance of success with door breaching charges\n",
 	L" %s%d%% cth with firearms against creatures\n",
+	L" %s%d%% insurance cost\n",
 };
 
 #endif //POLISH
diff --git a/Utils/_RussianText.cpp b/Utils/_RussianText.cpp
index 52f2df4a..a711d42e 100644
--- a/Utils/_RussianText.cpp
+++ b/Utils/_RussianText.cpp
@@ -7671,6 +7671,7 @@ STR16	szBackgroundText_Value[]=
 
 	L" %s%d%% chance of success with door breaching charges\n",
 	L" %s%d%% cth with firearms against creatures\n",
+	L" %s%d%% insurance cost\n",
 };
 
 #endif //RUSSIAN
diff --git a/Utils/_TaiwaneseText.cpp b/Utils/_TaiwaneseText.cpp
index 3e1f6c59..ad365419 100644
--- a/Utils/_TaiwaneseText.cpp
+++ b/Utils/_TaiwaneseText.cpp
@@ -7689,6 +7689,7 @@ STR16	szBackgroundText_Value[]=
 
 	L" %s%d%% chance of success with door breaching charges\n",
 	L" %s%d%% cth with firearms against creatures\n",
+	L" %s%d%% insurance cost\n",
 };
 
 #endif //TAIWANESE