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.
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.
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.
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.