diff --git a/project/src/controllers/InsuranceController.ts b/project/src/controllers/InsuranceController.ts
index 4024cb13..7b282de8 100644
--- a/project/src/controllers/InsuranceController.ts
+++ b/project/src/controllers/InsuranceController.ts
@@ -549,10 +549,16 @@ export class InsuranceController
      */
     protected sendMail(sessionID: string, insurance: Insurance): void
     {
+        const labsId = "laboratory";
         // After all of the item filtering that we've done, if there are no items remaining, the insurance has
         // successfully "failed" to return anything and an appropriate message should be sent to the player.
         const traderDialogMessages = this.databaseServer.getTables().traders[insurance.traderId].dialogue;
-        if (insurance.systemData?.location.toLowerCase() === "laboratory")
+
+        // Map is labs + insurance is disabled in base.json
+        if (
+            insurance.systemData?.location.toLowerCase() === labsId
+            && !this.databaseServer.getTables().locations[labsId].base.Insurance
+        )
         {
             // Trader has labs-specific messages
             // Wipe out returnable items