Movie Claim Monday

Movie Claim Monday: where our insurance minds speculate whether certain incidents in the cinematic universe would in fact be considered a covered claim.*

 

Today we look at the movie Batman vs. Superman.  In a fairly early scene, we see one of Bruce Wayne’s buildings come down.  We have a few thoughts on the matter:

-Is Bruce Wayne self insured?  He is a billionaire, surely he could set aside a few million for coverage for his buildings.  But he’s also quite brilliant—perhaps he knows that he has a high exposure in a city like Gotham (or Metropolis, which might be where this particular scene happened), and thus would purchase some high quality insurance to back him up.

– Is an alien attack covered?  If he has an open peril policy and alien attacks aren’t specifically excluded, then yes, the attack is covered for all the property damage.

-Would the liability damage from the building falling be on Mr. Wayne or on the aliens.  We would say the aliens, because they are the primary cause of loss.  But then, taking the aliens to court to get a big payout probably wouldn’t do anyone any good.

 

*Disclaimer: Each insurance policy is different, and while we speculate here for enjoyment purposes, you will need to discuss your insurance policy directly with your agent or CSR.  Our speculations here are in no way an indication that a similar occurrence would in fact be covered.