Movie Claim Monday: where our insurance minds speculate whether certain incidents in the cinematic universe would in fact be considered a covered claim.*
This week’s movie claim Monday is on Disney’s Beauty and the Beast** (the new one), simply because the writer of this blog has a two year old and that is the only movie we have been watching for the past month. Disregarding the fact that this is taking place in revolution-era France, there are a few parts in this movie that the insurance agent in me kept noting:
-During the Gaston song, Gaston uses his gun and shoots the ceiling. Would the business insurance cover that? Maybe—it could be considered vandalism. But if he owns the tavern, as it seems that he might, then no, because he (the owner) is knowingly damaging his own property.
-In terms of homeowner’s insurance, would the castles crumbling walls be covered? Nope. Though it is due to magic, I still think it is wear and tear and that is never covered by any homeowner’s insurance.
-Lastly, would the enchanted objects need life insurance or would they just be considered personal property? Not like they’re constantly being destroyed or anything, but near the end Chip almost gets smashed to smithereens, and I just have to wonder if and how he would have been covered.
*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.
**All characters described and mentioned are copyrighted by Disney
This month’s employee spotlight is on our lovely Katie Martin. Katie started with Brown & Brown about 2 years ago as our receptionist and has since moved up to small business technician. She and her husband Chris have been together for 11 years and are new parents to their baby boy Chase (who, in our opinion, is one of the cutest babies ever). Outside of being a mom, Katie says that her favorite things to do are go bowling, read Harry Potter, and relax with friends at breweries. Katie’s mom and grandpa were both in insurance long before she came to Brown & Brown, so she’s keeping the tradition alive. We are so happy to have her as part of our insurance family!
You just received your renewal for your auto policy. You skim down to find the new premium for the following year and you see it has increased by a couple hundred or more. Most auto policies take an annual rate increase otherwise known as an inflation guard. There are also other factors that could cause this increase.
Below is an article that gives insight into what determines your premium and what may increase your premium upon renewal. Keep in mind as your agents, we are here to review your policy if you ever have questions.
If you drive a vehicle, you are required by law to have insurance. But why do we need it? Consider hitting a car and injuring three passengers. If both your vehicle and the other vehicle are valued…
Our employee spotlight this month is on the wonderful Lupe Watters. Lupe has been in commercial insurance for over 20 years. Most recently, she became Brown & Brown’s Risk and Safety Analyst, and she absolutely loves it. She enjoys working closely with the producers and clients.
Lupe has been married 25 years. She also has 2 sons, both recently graduated college—one from UNM and one from NMSU. While she loves to travel, Lupe loves living here in NM. Lupe says that she loves to cook for ANYONE who will eat the finished product. And, trust us, everyone in the office LOVES that she loves to cook—her food is often gone within minutes of showing up.