That’s interesting because on the TV episode, it states that insurers wanted the risk of piracy spread out over many smaller ships that would be lateen rigged. I have one of the Connections books, so I’ll check to see if this is covered in it https://youtu.be/1NqRbBvujHY?si=WfysDHPLhSJkGhzd
It doesn’t explicitly say insurers but it’s a pretty small logical leap from the wording (the timeframe is also c. 11th-12th century so could be before formal insurers)
