For the past week and for the next five weeks, I am in my company’s training program. I’m in a hotel about 70 miles from home, but it looks and feels like the midwest suburbs. When people complain about suburban sprawl, they complain, knowingly or not, about this place. It’s not that it all doesn’t look nice, I just can’t tell where one strip mall ends and another begins. 200 yard across the parking lot from the AMC 30 cinema, there is another multiplex with 22 additional screens. That’s 52 screens sharing one parking lot. But no one’s showing “Bellflower,” (just for example)?
All of this to say, I recently finished the first draft of a screenplay, so I’m writing a short film as a kindof creative wasabe before jumping into re-writes next week. Taking a page from a combination of current circumstances/goings-on, the short film concerns an insurance adjuster handling claims for damage done by a superhero from the brand new, wildly popular, destined-for-greatness card game “Sentinels of the Multiverse” (I obtained permission for the use of their characters).
Well so last night as I was outlining the story – God-willing, it will be under 15 pages – it occurred that a hero or villain’s insurance policy would have to be different from a regular policy, and I needed to understand before I wrote it what coverages, exclusions, and conditions were present in the policy, so that I don’t have to figure it out during the writing. So, as an exercise, I created some specific, applicable portions of the insurance policy in question, from the Greater Good Insurance Group, a premiere insurance carrier for high-risk, costumed clientele (including [for additional premium] the sidekicks, wards, protégés and the like who may reside with them), and their moral counterparts. Here’s what I’ve got:
Please refer to your Greater Good Insurance Group, Inc.’s S-27 Heroic-Form Homeowners Insurance Policy – 09/2008, which states in part:
Section-I – Exclusions
We do not cover the Dwelling, Other Structures – including hideouts, caves, fortresses, lairs, anti-aging chambers, and the like – nor Personal Property, if the damaged items were intended for use in whole or in part for any of the following:
#1. Serious Criminal Activities – As stated in the Definitions for this policy, “Serious Criminal Activities” are any criminal activities above a normal Misdemeanor offense or which could be punishable by death.
#2. Overthrow of Government – Any use of covered property, in whole or in part, for the proven purposes of the overthrow of any governmental agency, whether local, state, national, or international – and also including governmental and international peace-keeping or organizational agencies – shall be excluded from all losses under this policy.
#3. World Domination – Any damage to property during the planning, building, scheming, conniving, or any other similar preparation with the provable purpose of – or any direct attempt at – total world domination, takeover, destruction, anarchization, or other similar effort will be excluded under this policy.
For all Exclusions, any loss to covered property NOT being used for the overthrow of government or world domination, damaged as a result of any excluded damage caused to property, will be covered under this policy, unless that property NOT being used for the overthrow of government or world domination in any way necessarily impeded the stoppage of the overthrow of government or world domination (e.g - Damage to personal property in a room – as well as any part of the walls, floor, ceiling, and framing members of the room itself – NOT being used for overthrow of government or world domination, but which shares a wall with a room being used, in whole or in part, for excluded activities or measures, which was necessarily destroyed as the best or only means of access to any property being used, whether in whole or in part, for the overthrow of government or world domination, is also excluded by these policy provisions).
As well, any personal property in any room being used, either in whole or in part, for the overthrow of government or world domination, will be considered to be aiding and abetting the excluded activities or measures, so long as said personal property resides in said room.
Section-II – Personal Liability
We will cover accidental direct physical loss, damage, or harm caused or inflicted by you toward any individual(s) not named on the Declarations Page of this insurance policy and to public or private property – whether residential or commercial.
We will also cover intentional direct physical loss, damage, or reasonable harm caused or inflicted by you toward any individual(s) not named on the Declarations Page of this insurance policy and to public or private property – whether residential or commercial – provided that such person(s) or property posed a legitimate, provable threat – whether latent or operative – to the Greater Good of all Mankind, as outlined in Section-I – Exclusions of this policy.