It turns out that you can buy insurance for satellites or payload; if the rocket and the payload is lost, or fails to work as it should in the beginning, the companies involved pay some money (or better said, lots of money) to the owners.
Source: [https://www.reuters.com/article/us-space-insurance-idUSKCN1UQ1SK](https://www.reuters.com/article/us-space-insurance-idUSKCN1UQ1SK)
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