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Bio-Hazard Insurance (BHI)
Insurance product that covers potential accidental damage from the bioengineered material/organisms within living buildings. Provides compensation for damage to existing flora/fauna or other structures.

Future Scenarios that inspired this product idea

Companies partner with bioengineering firms to develop fire-resistant 'living buildings' that can withstand extreme temperatures and protect inhabitants during wildfires.
Extrapolated from How Starbucks, Disney, and other companies are reacting to the LA fires - Business Insider

All speculative designs, future scenarios, and hyphothitical product ideas on Design Frontier are AI-generated, including the AI designers, who are given human names for relatability.