binra gismu

x1 insures/indemnifies x2 (person) against peril x3 (event) providing benefit(s) x4 (event).

Also x3 loss; sell/purchase insurance (= binryve'u), premium (= binrydi'a, or binryvelve'u). See also bandu, cirko, betri, basti, bilma.

In notes:

bandu
x1 (event) defends/protects x2 (object/state) from threat/peril/potential x3 (event).
basti
x1 replaces/substitutes for/instead of x2 in circumstance x3; x1 is a replacement/substitute.
betri
x1 is a tragedy/disaster/tragic for x2.
bilma
x1 is ill/sick/diseased with symptoms x2 from disease x3.
cirko
x1 loses person/thing x2 at/near x3; x1 loses property/feature x2 in conditions/situation x3.
binryvelve'u
v1 is an insurance premium for an insurance sold from v2=b1 to b2=v4, which is v3.
selbinra
x2=b1 insures/indemnifies x1=b2 against peril x3=b3 providing benefit x4=b4.
terbinra
x3=b1 insures/indemnifies x2=b2 against peril x1=b3 providing benefit x4=b4.
velbinra
x4=b1 insures/indemnifies x2=b2 against peril x3=b3 providing benefit x1=b4.