diff --git a/Libraries/SPTushonka.Server.Assets/SPT_Data/database/locales/server/en.json b/Libraries/SPTushonka.Server.Assets/SPT_Data/database/locales/server/en.json
index 8424ac0fd..2955d3e5d 100644
--- a/Libraries/SPTushonka.Server.Assets/SPT_Data/database/locales/server/en.json
+++ b/Libraries/SPTushonka.Server.Assets/SPT_Data/database/locales/server/en.json
@@ -128,6 +128,7 @@
   "inraid-unable_to_migrate_pmc_quest_not_found_in_profile": "Unable to migrate post-raid quest: %s data to profile, cannot find quest in profile",
   "insurance-item_not_found_in_post_raid_data": "Unable to find insured inventory item with id: %s in post-raid data",
   "insurance-missing_insurance_price_multiplier": "No insurance multiplier found for trader: %s, check it exists in InsuranceConfig.js, falling back to default value of: 0.3",
+  "insurance-trader_missing_return_chance": "Trader is not configured for a return chance: {{traderId}}, falling back to default value of: 75%",
   "insurance-post_raid_item_not_found": "Insured item: %s not found in post-raid inventory",
   "insurance-pre_raid_item_not_found": "Pre raid inventory item: %s was not found",
   "insurance-trader_lacks_dialogue_property": "Trader: %s does not have a dialogue property, unable to send insurance items",
diff --git a/Libraries/SPTushonka.Server.Core/Controllers/InsuranceController.cs b/Libraries/SPTushonka.Server.Core/Controllers/InsuranceController.cs
index 049d824fc..4f993c322 100644
--- a/Libraries/SPTushonka.Server.Core/Controllers/InsuranceController.cs
+++ b/Libraries/SPTushonka.Server.Core/Controllers/InsuranceController.cs
@@ -704,7 +704,11 @@ protected void HandleLabyrinthInsurance(Dictionary<string, List<string>?> trader
         const int conversionFactor = 100;
 
         var returnChance = randomUtil.GetInt(0, maxRoll) / conversionFactor;
-        var traderReturnChance = insuranceConfig.ReturnChancePercent[traderId];
+        if (!insuranceConfig.ReturnChancePercent.TryGetValue(traderId, out var traderReturnChance))
+        {
+            logger.Warning(serverLocalisationService.GetText("insurance-trader_missing_return_chance", new { traderId = traderId }));
+            traderReturnChance = 75;
+        }
         var roll = returnChance >= traderReturnChance;
 
         // Log the roll with as much detail as possible.