This universe has a civilization of humans! And some other things. It's not crowded in the way Edda is but it's not just the one planet either. The humans might be easiest to start with. They're on that planet over there, it's not Earth but it has very Earthlike conditions and bronze-age humans living in cities and villages dotted across two large continents. Depending on how thoroughly any prospective visitors look they might find other things before visiting.
Even the frustratingly impermanent ones I am capable of with my currently insufficient skill? They are stabilize-dying-creature/minor-healing, minor malleability-of-stone, minor plant-energizer, minor general-resilience-gift.
I see. I have several minor magical items prepared already. I practice frequently. I recall that there is a service that will sell them for me? Of course, for connecting me with this service or bringing them here you would be due some small portion as well.
I see, thank you. I will fetch the items and describe their function in detail.
Four stabilization/minor healing pebbles, you press them against what you want them to affect. They'll slowly lose effectiveness and expire after two years of storage or a day of use. She's just now poured energy into them to refresh the shelf life. Two stone-malleableing copper nodules. These are single-use and affect about a three-foot sphere for a few hours, and the copper will worm its way into the stone as little veins in the process; She can also keep stone malleable in person. The plant energizers are tightly packed clumps of slightly moist dirt, they're essentially magic fertilizer. She only has one minor-general-resilience-gift that hasn't been gifted to an animal, it's a rough piece of quartz that helps with pain and fatigue and temperature very slightly.
Does she have to give them any money back if actually the proceeds-after-fees are less than the upfront payment?
Nope, she will not have to give them any money back but if they manage to sell them for more than expected they will also not give her any extra. If she would like to see their track record of sales and how much they paid for the goods she can see that they do have a history of guessing, on average, the stated percentage.
She looks at the records, but it's painful and disorienting to try to make sense of them without context.
.......This is acceptable, since they have a good reputation.
And then she'll need to talk to a different dwarf-group about insurance, yes?
So, she just wants to be insured against causing unintentional harm and getting in trouble about it. She has no intention of hurting anything, stealing, disrupting public places, et cetera, while visiting Falas but is anxious about having insufficient context to form accurate reasonable-expectations. Also, if someone touches her without permission - particularly unexpectedly so - she might react violently out of sheer physical reflex.
She didn't know those existed until just now, that sounds very useful depending on how exactly it works. Does the insurance company (the concept 'company' comes through a bit weird) sell those or would she need to see someone else?
It's reasonable not to want to be touched by dirty people. She buys one and tucks it into her chest feathers.
If she's expecting it she won't react strongly, Yávemar could try to touch her on an extended wing and the tip of her tail?
Excellent, this is excellent. I will remember to hold my limbs close so as not to needlessly obstruct places. Do you know of other defensive magics like this?
Things that will protect me from harm. Since now nobody will be able to directly claw or bite me.
That sounds like something I should cultivate within myself instead.
Now, what of the actual insurance? She doesn't really understand how they make their determinations or what they need to estimate her risk.