Economy Skill Comparison
Insurance Broker vs Black Market Access
Comparing Insurance Broker (Tier 4) and Black Market Access (Tier 4), both in the Economy branch in Starforge MMO. They draw from the same skill-point budget, so this breakdown helps you decide which to unlock first.
At a Glance
| Attribute | Insurance Broker | Black Market Access |
|---|---|---|
| Branch | Economy | Economy |
| Tier | 4 | 4 |
| Skill-point cost | 3 SP | 3 SP |
| Effect | +20% Insurance Discount | +15% Black Market Discount |
| Type | Passive | Passive |
| Cooldown | — | — |
| Prerequisites | 2 | 2 |
▼ marks the earlier tier and lower skill-point cost — the more accessible pick. The right unlock still depends on the effect your build needs.
Insurance Broker
Tier 4 Economy Passive
Preferred broker relationships and claims history reduce fleet insurance premiums significantly.
Effect
+20% Insurance Discount
Prerequisites
Black Market Access
Tier 4 Economy Passive
Cultivated underworld contacts open access to restricted goods at reduced prices.
Effect
+15% Black Market Discount
Prerequisites
Which Skill Should You Unlock First?
Both skills sit at the same tier and cost the same skill points, so the decision is purely about effect: take Insurance Broker if your build needs Insurance Discount, or Black Market Access for Black Market Discount.