First contact wasn't made by some ambassador from a spacefaring species. It was just a guy out in his brand new ship, who crashed into something that shouldn't have been there. Translated, his words are "You permission from the spaceway commission to build that. THERE ARE RULES."

"Insurance" is not a concept that's made off of Earth, apparently.

"Close Encounters of the Third Kind" by Clément De Ruyter, who can be found on facebook and tumblr. He also worked on this great animated short.