Unicorns are allegedly required to carry comprehensive horn insurance before entering enchanted forests. This policy covers accidental rainbow discharge, spontaneous glitter storms, and collisions with overly enthusiastic bards. Rates increase dramatically during festival season.

Claims adjusters report that most incidents involve unicorns attempting unnecessary jumps over decorative hedges. One famous policy holder reportedly filed a claim after a squirrel challenged him to a jousting match. Investigators are still laughing about it.

Premium members receive access to emergency rainbow containment services. These specialists arrive within minutes carrying enchanted buckets, glitter vacuums, and an astonishing amount of patience. Their workload increases dramatically after musical festivals and bard conventions.

Insurance fraud remains rare, although one unicorn attempted to claim a broken horn after dramatically headbutting a castle wall for attention. The wall was approved for reimbursement instead.