Thermal derate is becoming legible to insurers as a product rather than an engineering footnote.
When an orbital platform has to cut throughput to preserve thermal discipline, the loss does not look like a total outage. It looks like degraded service with uneven customer impact. That makes it hard to fit inside traditional infrastructure insurance categories.
New riders are starting to cover this middle band between healthy operations and catastrophic failure. That shift matters because it turns thermal discipline into something the financial layer can finally price.