Reel Risk and Real Risk
Reel Risk · Part of Know The Claim™
When the story
becomes a claim.
Movies and television. Real coverage questions.
Explore the scenes, policy language, and professional decisions that reveal how insurance works.
Indiana Jones Pulled the Trigger. Does the Museum Get a Defense?
Indiana Jones pulls the trigger, but the museum gets sued. Our Raiders of the Lost Ark scenario examines whose coverage matters, why the occurrence requirement comes first and what can trigger a CGL defense.
Eleanor Was Stolen. Does That Make Every Dent a Theft Loss?
Eleanor's theft begins the story. The police pursuit creates the coverage question. We examine Comprehensive, Collision, and what it takes to value a collectible Shelby GT500.
A $10 Million Umbrella. A $25,000 SIR. An Uncovered Oilfield Tragedy.
A fatal oilfield explosion. No Workers Compensation. A $10 million Umbrella with a $25,000 SIR. Inspired by Landman, this Coverage Cut follows the apparent path to coverage, then examines the policy language that determines whether the Umbrella can fill the Employers Liability gap.
Risky Business: One Night, No Employees?
A one-night business in the Goodsen home leads to two injury claims: a customer’s fall and an associate hurt while working. The Coverage Cut examines who employed Lana’s associates, what that means for the HO 3 business exclusion, and where an uninsured workers’ compensation claim leaves the parties.
Did Nakatomi's Builders Risk Survive the Christmas Party?
Nakatomi Plaza was occupied, but construction was still underway. After the Christmas Eve mayhem, would Builders Risk cover the damage? The answer turns on a policy provision many readers may remember differently.
AI Gave the Agent a Business Income Limit
AI can calculate a Business Income limit from the information it receives. But what happens when a critical fact about the insured was never supplied? Two fictional claims reveal why the investigation, the policy and the insured’s decision still matter.
AI Found It. Do You Understand It?
AI can compare policies, identify changes and flag potential coverage issues. But as AI also creates new exposures and policy exclusions, technical insurance knowledge may matter more than ever. Here’s what we heard at ASNOA Connect 2026.
When Your Product Bites Back: The Isla Nublar Claim File
When InGen's dinosaurs escape, the resulting catastrophe creates far more than a products-liability claim. Follow the policy language from the CGL aggregate question into the connected people, property, auto, cyber and time-element claim files.
Reel Risk: The Overlook Claim File
Would Jack Torrance’s death be compensable under Workers Compensation? Enter the Overlook claim file for a Reel Risk analysis of Part One, Employers Liability, and the hotel’s potential CGL exposure.
The Résumé Says “Experienced.” But What Does the Insurance Candidate Actually Know?
A résumé can document experience, production, and responsibility. It cannot show whether a Producer or Account Manager can identify coverage concerns, protect an inherited book, or apply technical insurance knowledge when it matters
Does “Any Auto” Mean Any Auto? A Business Auto Coverage Analysis
Does Symbol 1, “Any Auto,” automatically create coverage? This Reel Risk analysis follows the policy language from covered auto through the insurer’s duty to defend.