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

Karen Fournier

This month’s employee spotlight is on the wonderful Karen Fournier in our Taos office.  She  has been with Brown & Brown for nearly 5 years, about as long as she has been in Taos.  Karen and her husband Gary have been married for 32 years and have two sons and three grandkids.  Karen also says that she loves to travel with her husband—they especially like cruising.  For fun closer to home, Karen says that she and Gary love to downhill ski and golf (and Taos is perfect for both of those!).  She is such a help to everyone in the Taos office and we all are so happy to have her as part of our team.

 

Employee Spotlight Barbara Thomas

This month’s employee spotlight is on the wonderful Barbara Thomas.  Barb is located in our Taos office and new-mexico-1804590_1280has been with Brown & Brown for almost 23 years.  She has even had the pleasure of meeting Hyatt Brown when he came to Taos.  Because she is so active in the community, Barb has become the office liaison for many community organizations.

As Barb says, she is a person of the sixties, so Taos is the perfect community for her and her husband of 52 years.  Along with her husband, she has one daughter and son-in-law and one gran
dson.  Besides her work at Brown & Brown, Barb also curates art shows, is a textile artist, and makes teepees in her spare time.

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