diff --git a/Core/Controllers/InsuranceController.cs b/Core/Controllers/InsuranceController.cs
index ca6faa02..a9e28863 100644
--- a/Core/Controllers/InsuranceController.cs
+++ b/Core/Controllers/InsuranceController.cs
@@ -34,17 +34,17 @@ public class InsuranceController(
         var pmcData = _profileHelper.GetPmcProfile(sessionId);
         var inventoryItemsHash = new Dictionary<string, Item>();
 
-        foreach (var item in pmcData.Inventory.Items)
+        foreach (var item in pmcData?.Inventory?.Items ?? [])
         {
             inventoryItemsHash[item.Id] = item;
         }
 
         // Loop over each trader in request
-        foreach (var trader in request.Traders)
+        foreach (var trader in request.Traders ?? [])
         {
             var items = new Dictionary<string, double>();
 
-            foreach (var itemId in request.Items)
+            foreach (var itemId in request.Items ?? [])
             {
                 // Ensure hash has item in it
                 if (!inventoryItemsHash.ContainsKey(itemId))
diff --git a/Core/Services/InsuranceService.cs b/Core/Services/InsuranceService.cs
index f43233ff..374b50d7 100644
--- a/Core/Services/InsuranceService.cs
+++ b/Core/Services/InsuranceService.cs
@@ -145,7 +145,7 @@ public class InsuranceService
     /// <param name="inventoryItem">Item to be insured</param>
     /// <param name="traderId">Trader item is insured with</param>
     /// <returns>price in roubles</returns>
-    public double GetRoublePriceToInsureItemWithTrader(PmcData pmcData, Item inventoryItem, string traderId)
+    public double GetRoublePriceToInsureItemWithTrader(PmcData? pmcData, Item inventoryItem, string traderId)
     {
         throw new NotImplementedException();
     }