THis is more for the players as im pretty sure the staff has heard of this issue already.
but just a heads up about insurance. double check your insurance every now and then.
i keep a mill check in my bank and have plenty on my gold ledger as well as auto renew enabled. however i witnessed my magi shroud that ive been wearing for a long time become uninsured after being killed by a cao warrior. it was the only item that became uninsured. fortunately i noticed it was on my corpse right away and was able to get it back.
Good luck, happy hunting!