Despicable Me 2 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.*

This week’s movie claim Monday is on Despicable Me 2**. Again, I have a 2 year old, the only movies I watch anymore are cartoons.  So here we go!  This one isn’t exactly on claims, rather than just the coverages needed.  The scene I’m going to be going into is when Gru and Lucy break into Salsa & Salsa restaurant to see if the bad guy they are looking for is El Macho (spoiler alert: it is!).

  • El Macho better have some small business insurance.  There is property damage to most of his tables and chairs and a hole gets put in his ceiling.  He would want property coverage as well as loss of use, since he may have to close down while repairs are made.
  • Also, his business coverage would be useful for the safe that is broken into, but the coverage may not apply, as not valuable was taken and the only valuable in there was a jar of salsa.
  • The mall would also want good property insurance, as the minions break quite a bit of glass driving a car through the side wall.  Lots of damage and lots of clean up.
  • Finally, how would Lucy’s car be covered?  I mean, it obviously needs auto insurance, but it is also a submarine and an aircraft.  Three insurance policies seems a bit excessive, so maybe she can find a non-standard carrier that can create a custom policy for her specific vehicle.  You never know.

*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 Universal Pictures

Employee Spotlight Donna Cordova

employee spotlightThis month’s employee spotlight is on Donna Cordova.  Donna is one of our wonderful personal lines agents in the Taos office.  She has been with us since 2002, starting as a receptionist and working her way through both commercial and personal lines.

Donna actually lives in Colorado, but is close enough to work in Taos (and we are glad she’s willing to commute!).  She actually owns a restaurant with her husband and daughter, which is how she fills her weekends.  Donna is extremely multitalented–she does the baking, as well as waitressing and bartending!  In her free time, Donna says she likes to paint, write poetry, and just spend time with family.

While we love her wit and her sarcasm, it’s her kindness that makes her stand out, and we just love that she is part of our team!

Movie Claim Monday- Beauty and the Beast

Movie Claim Monday Beauty and the Beast

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

Employee Spotlight-Katie Martin

 

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!

Crab Bash Fundraiser

 

Brown & Brown Insurance of New Mexico was one of the sponsors for this year’s annual Crab Bash Fundraiser. The fundraiser was held for All Faiths Children’s Advocacy Center. The advocacy center provides counseling to children and their families who are struggling due to issues of divorce, homelessness, child abuse/neglect, family violence or other crises. Follow the link below to make a donation on their website.

ALL FAITHS – open arms … healing hearts – HOME

All Faiths is a dynamic behavioral health agency specializing in the treatment of families, children and their caregivers who are struggling due to issues of divorce, homelessness, child abuse/neglect, family violence or other crises. Our highly trained staff specializes in trauma-informed treatment methods that create a safe and comfortable environment in which our clients can heal.

 

 

 

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