No such conclusion follows from that description alone. Read the actual policy and investment terms to determine what is covered and who receives any payment.
Distinguish business protection from investor repayment
An asset policy may address a particular business loss without guaranteeing your return. The case still requires an assessment of the actual at-risk investment; this page neither approves a policy nor treats all insurance as prohibited.
The requirement is at least ten qualifying full-time positions attributable to each investor's own investment. The immigrant-investor rules do not require that the capital come from a single origin. The document that answers this is the partnership or operating agreement, specifically the provisions on investor rights. Identify how the investor obtained the securities and reconcile the proceeds with the intended contribution. Identify investors, attributed capital, the job method, and safeguards against duplicate credit. The investor must document lawful source and path of funds and participate in management or policy formulation. Independent owner-operators are not employees, and the investor's family members do not count either. The capital must still meet the current amount, be at risk and create ten jobs.