I have worked in the insurance industry for fifteen years and this time of year we seem to always see this little story come around. It is an insurance professionals insight into Santa's operations and what we need to be on the look out for. I hope you will enjoy it for the humor even if you don't understand all the insurance jargon. Please note, I did not write this and reading through it I think words might have been omitted from the original text, but either way it is a funny read. ---Spaz
‘Twas the night before Christmas (12:01 a.m. 12/25) and
all through the house (single family, joisted masonry, extended coverage 3, territory 44, protection class 5),
not a creature was stirring, not even a mouse (thorough pride of ownership and
excellent maintenance).
The (flame-retardant) stockings were hung by
the (contractor-installed?) chimney with care, in hopes that St. Nicholas
soon would be there (check protective safeguard discount — application lists
deadbolt locks and central station alarm system).
The children (ages 4, 8, 14, & 16) were all nestled
snug in their beds (check MVR on 16-year-old) while visions of sugar plums
danced in their heads (check for drug use; possible malfunctioning
furnace/CO poisoning issue).
Ma in her kerchief (scheduled heirloom) and I in my cap
(wearing headgear to bed? possible inadequate heating system) had just settled
down for a long winter’s nap. (Check employment — is insured sleeping all day?)
When out on the lawn there arose such a clatter (check
into condition of premises, housekeeping, etc.), I jumped out of bed to see
what was the matter.
Away to the window I flew like a flash, threw back the
curtains and tore open the sash (intentional destructive act, no coverage;
also, appears insured only wearing a cap in front of uncovered window — possible
emotional distress claim by neighbors).
When what to my wondrous eyes should appear, but a
miniature sleigh and eight tiny reindeer. (Check if sleigh is rated business
use and corporate owned.) With a little old driver so lively and quick, I knew
in a moment it must be St. Nick. (Notify life underwriting, order medical on
600-year-old driver).
More rapid than eagles (check MVR for speeding
violations) his coursers they came and he whistled and shouted and called them
by name (possible aggressive driver).
Now Dasher (turbo equipped?), now Dancer (classic?), now
Prancer (check occupation), now Vixen (definitely check occupation), on
Comet (possible muscle deer), on Cupid (check credit score), on Donner
(4×4) and Blitzen (possible drinking problem?).
To the top of the porch, to the top of the
wall (check for structural damage; also look into height exposures), now
dash away, dash away, dash away all (old man climbing walls either in great
shape or overly medicated).
So up to the housetop his coursers they flew, with a
sleigh full of toys and Saint Nicholas, too. (Check for possible retail
delivery or livery classification of autos). And then, in a twinkling, I heard
on the roof, the prancing and pawing of each little hoof. (Check for shingle
damage; also classification of operations—roofing is a prohibited class).
As I drew in my head and was turning around, down the
chimney he came with a bound (comp neg for using unusual ingress).
He was dressed all in fur (scheduled items) from his head
to his foot, and his clothes were all tarnished with ashes and soot. (Part-time
job as firefighter?)
A bundle of toys he had flung on his back. (Check to see
if insured has safety committee; check lifting training). His eyes how they
twinkled, his dimples how merry, his cheeks were like roses, his nose like a
cherry (order updated medical report, possible drinking and/or drug abuse).
The stump of a pipe he held tight in his teeth
(ineligible for nonsmoker discount) and the smoke encircled his head like a
wreath (check batteries in smoke detectors to make sure operational).
He was chubby and plump a right jolly elf (overweight for
height) and I laughed when I saw him in spite of myself. A wink of his eye and
a nod of his head soon gave me reason I had nothing to dread (Stranger enters
past alarm and insured not worried? Sounds suspicious.)
He spoke not a word, but went straight to his work, and
filled all the stocking, then turned with a jerk (review workplace for
ergonomic compliance).
And laying his finger aside of his nose (obscene
gesture?), and giving a nod, up the chimney he rose. (Check operations, chimney
sweeps are prohibited classification, look into GL PD deductible.)
He sprang to his sleigh, to his team gave a whistle, and
away they all flew like the down of a thistle (not likely with fat man and
sleigh full of toys. Check GVW for proper classification, light/service/local
seems unlikely).
And I heard him exclaim as he drove out of sight, “Merry
Christmas to all, and to all a good night!” (Check hours of operation; 24-hour
service operations prohibited. Also check into seasonal nature of business.)
NOTE: ORDER NEW LOSS CONTROL REPORT. DIARY FOR
07/01/14 TO DISCUSS WITH AGENT.
– Source Unknown