fix payment customer and dashboard settings

apps/api/src/services/insuranceService.ts

@@ -1,5 +1,6 @@
 import { InsurancePolicy } from '@rentaldrivego/database'
 import { prisma } from '../lib/prisma'
+import { resolveSettingsEntitlements } from '../modules/companies/settingsEntitlements'
 
 export function calculateInsuranceCharge(
   policy: InsurancePolicy,
@@ -21,6 +22,11 @@ export async function applyInsurancesToReservation(
   totalDays: number,
   baseRentalAmount: number
 ) {
+  const entitlements = await resolveSettingsEntitlements(companyId)
+  if (!entitlements.features['settings.insurance_policies']?.available) {
+    return { records: [], insuranceTotal: 0 }
+  }
+
   const allPolicies = await prisma.insurancePolicy.findMany({ where: { companyId, isActive: true } })
   const required = allPolicies.filter((p: InsurancePolicy) => p.isRequired)
   const selected = allPolicies.filter((p: InsurancePolicy) => selectedPolicyIds.includes(p.id) && !p.isRequired)