Annual Insurance Review: S. Claus





                                    RV Insurance Agency                                Agent:  P. S.

Prep notes for annual insurance review                                             Date:  12/6/10

Client:  Mr. & Mrs. Santa Claus (nickname Kris)   
AddressNorth Pole (get Mapquest for inspector)
Client rating (naughty, nice, preferred):  Preferred

List of assets to be covered:

 12 drummers drumming (needs musical instrument floater – rate higher if used professionally)

11 pipers piping (pipes excluded for breakage, but resultant damage covered unless house is vacant)

10 lords a-leaping (check for trampoline – automatic HO cancel!)

9 ladies dancing  (Jazzercise?  Home business exposure?  Add liability rider)

8 maids a-milking (outbuildings used for business excluded on HO -check age of barn for rider)

7 swans a-swimming (pool?  Verify yard is fully fenced)

6 geese a-laying (needs Farm-mate policy – determine limit per goose and total value of gaggle)

5 gold rings ($1000 theft limit on jewelry, no mysterious disappearance.  Recommend personal property floater – get appraisals)

4 calling birds (bird droppings on personal property only covered under comprehensive perils form – upgrade to HO-5)

3 French hens (remind that auto liability does not respond in France. Recommend umbrella policy for worldwide coverage)

2 turtle doves (no coverage for pets under HO)

1 partridge in a pear tree (limited tree coverage: $500 per loss due to direct lightning strike. Not covered for wind unless pear tree falls on covered property i.e. garage, patio furniture, 9 ft. lighted plastic Frosty)

– Check current life and disability policies (will UNUM consider class 4 with up-on-the-rooftop exposure? Check definition of disability – own occ., or any occupation i.e. department store Santa?)

– Recommend long-term care.  Elves not covered caregivers unless licensed by Medicare. Verify date of birth for quote.  Rating software does not recognize age given: as old as my tongue and older than my teeth.

-Ask to quote business exposure (currently w/Gallagher):
              Commercial package for toy factory
              Commercial  auto (check policy definitions: reindeer-powered vehicles qualify as auto?)
             Workers comp (verify experience mod.  Claim history shows frequency w/hammered thumb incidents. Also severity issues: 2008 permanent partial settlement for vocal cord polyps caused by excessive carolling & ho-hoing)
             Reindeer coverage (classify as employees under workers comp? business personal property? livestock floater?)

Mrs. says this is “crunch time” at work for hubby. Have Chris schedule appt after holidays.

About pegoleg

R-A-M-B-L-I-N-G-S, Ram...Blin!
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1 Response to Annual Insurance Review: S. Claus

  1. Libertarian says:

    Hilarious, as usual!! 🙂


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