hope they included abuse & molestation coverage. Lots of kids sitting on Santa’s lap. Takes one lawyer saying “show me where Santa touched you” and all hell breaks loose.
yeah, mr. grinch…being an employer, I like my elves staying to task too, but most of them rarely ever take a break so a few minutes of holiday joy…well I say go for it.
BOB – I hope you did not waste your important work hours reading this and then the additional time for your comment. 1:39 PM hmmm. I think they did a fine job! Get in the Christmas spirit!!
Just wanted everyone to rest easy…Santa and the entire operation are fully insured.
The elves took out key person life insurance on Santa…just in case he slips on one of those high pitched roofs after drinking the spiked milk you guys tend to leave out.
And of course the elves are all covered for workers comp since they use a lot of hammers…but Santa didn’t go for the long term disability policy. If they are out that long, they have to work from home. So I guess it’s not all “Ho Ho Ho”.
The presents are all included on a personal articles floater…that way they have coverage anywhere in the world!
Oh, and those reindeer? No worries…we’ve got animal mortality coverage, and I personally know of a reindeer ranch in Oregon in case Santa has to ship in a replacement at the last minute.
The sleigh is a bit of a problem…we haven’t decided whether it’s covered under the auto policy or if it’s mobile equipment. Does anyone know if it’s licensed for the road?
And last but not least, we have Valuable Papers coverage for that “naughty and nice” list…wouldn’t want any mix ups there!
What if Santa catches a bad cold during this season? Will he be covered under Obamacare? Probably not since he is so old, he will have to go in front of the Death Panels and they will tell him to take a pill since treatment will not be offered.
Did anyone notice that one of the tags was misspelled? “Sanat Clause”? Really!? Perhaps, IJ’s proof reader is on vacation waiting for “Sanat” to slide down the “Chimmnee”
Santa does not need any insurance. Most insurance policies have the “Act of God” exclusion, therefore, most if not all of the claims scenarios presented would be declined by the insurance carriers. Since Jesus is the reason for the season, Santa’s duties would fall under God’s umbrella of coverage.
Lockton forgot one major risk compenent. charitable organization immunity. Liabilty woudl be low and since they outsource most toys these days, he would have be an AI on the manufacturers policy. He has it covered. However I wonder if the elves are leased employees?
By the by – the Work Comp mentioned in the article is way too expensive – or maybe they are just buying it from “Ain’t It Great”. Anyway I digress. See the issue will be it is not Work Comp if the employer employee relationship did not occur in a state governed by Work Comp laws. Maybe in the future there will be an uber-law that compells even the elves who are hired out of the North Pole to be covered by Work Comp even though they are immortal. Hmmmmmm – maybe the single payer system would do the trick – yaaaa – that’s it – socialism!!!!!!!
Got an exact location on Santa’s workshop? The Geographic North Pole is in international waters, but the Magnetic North Pole is in Canadian territory of Nunavut.
BUCKEYE IN MOTOWN – I believe you may have too much time on your hands with these comments. I agree with CalDude. Since you seem to know so much about work comp, get out there and place some coverage hoss. Such a hater, sounds like coals from Santa for you my man!
@hillsborough, I was actually concerned about any sexual harassment exposures which might be excluded by the policy with all the mistletoe hanging about.
I heard the North Pole is a favorable legal climate for Santa. They use inuit tribal law and Santa has a strong working relationship with them.
Santa Claus is a ego maniac. It’s all about him and his special day.
Santa Claus is an ego maniac. It’s all about him and his special day.
What about the rating for the nearest fire hydrant or fire station, not exactly a few blocks away.
But I think there is a huge water source within 500 ft
turtally adorkable. thanks lockstep. bah hamburg on seasonal advert
hope they included abuse & molestation coverage. Lots of kids sitting on Santa’s lap. Takes one lawyer saying “show me where Santa touched you” and all hell breaks loose.
Merry Christmas to the two attorneys who gave me Thumbs Down!!
I hope nobody who worked on this project was “on the clock” at work at the time.
yeah, mr. grinch…being an employer, I like my elves staying to task too, but most of them rarely ever take a break so a few minutes of holiday joy…well I say go for it.
BOB – I hope you did not waste your important work hours reading this and then the additional time for your comment. 1:39 PM hmmm. I think they did a fine job! Get in the Christmas spirit!!
Wait till they find out about Santa’s DUI. Oh, was I not supposed to mention that?
would that be driving under the influence of cookies and milk!
Just wanted everyone to rest easy…Santa and the entire operation are fully insured.
The elves took out key person life insurance on Santa…just in case he slips on one of those high pitched roofs after drinking the spiked milk you guys tend to leave out.
And of course the elves are all covered for workers comp since they use a lot of hammers…but Santa didn’t go for the long term disability policy. If they are out that long, they have to work from home. So I guess it’s not all “Ho Ho Ho”.
The presents are all included on a personal articles floater…that way they have coverage anywhere in the world!
Oh, and those reindeer? No worries…we’ve got animal mortality coverage, and I personally know of a reindeer ranch in Oregon in case Santa has to ship in a replacement at the last minute.
The sleigh is a bit of a problem…we haven’t decided whether it’s covered under the auto policy or if it’s mobile equipment. Does anyone know if it’s licensed for the road?
And last but not least, we have Valuable Papers coverage for that “naughty and nice” list…wouldn’t want any mix ups there!
May you all be on the “nice” side of the ledger.
Happy Holidays from Laura
Laura – that’s awesome!
What if Santa catches a bad cold during this season? Will he be covered under Obamacare? Probably not since he is so old, he will have to go in front of the Death Panels and they will tell him to take a pill since treatment will not be offered.
Um, I’m pretty sure U.S. policies do not prevail at the North Pole.
Did anyone notice that one of the tags was misspelled? “Sanat Clause”? Really!? Perhaps, IJ’s proof reader is on vacation waiting for “Sanat” to slide down the “Chimmnee”
OK, this all gave me the holiday spirit. I’m taking the bear trap out of the fireplace.
They forgot about identity theft. With all those Santa impersonators running around, Santa’s credit and reputation are truly at risk.
Santa does not need any insurance. Most insurance policies have the “Act of God” exclusion, therefore, most if not all of the claims scenarios presented would be declined by the insurance carriers. Since Jesus is the reason for the season, Santa’s duties would fall under God’s umbrella of coverage.
Lockton forgot one major risk compenent. charitable organization immunity. Liabilty woudl be low and since they outsource most toys these days, he would have be an AI on the manufacturers policy. He has it covered. However I wonder if the elves are leased employees?
NERDS NERDS NERDS
I do believe whomever put this together had entirely too much time on their hands………….. just saying……….
By the by – the Work Comp mentioned in the article is way too expensive – or maybe they are just buying it from “Ain’t It Great”. Anyway I digress. See the issue will be it is not Work Comp if the employer employee relationship did not occur in a state governed by Work Comp laws. Maybe in the future there will be an uber-law that compells even the elves who are hired out of the North Pole to be covered by Work Comp even though they are immortal. Hmmmmmm – maybe the single payer system would do the trick – yaaaa – that’s it – socialism!!!!!!!
Dude, why so bitter…
Got an exact location on Santa’s workshop? The Geographic North Pole is in international waters, but the Magnetic North Pole is in Canadian territory of Nunavut.
BUCKEYE IN MOTOWN – I believe you may have too much time on your hands with these comments. I agree with CalDude. Since you seem to know so much about work comp, get out there and place some coverage hoss. Such a hater, sounds like coals from Santa for you my man!
@hillsborough, I was actually concerned about any sexual harassment exposures which might be excluded by the policy with all the mistletoe hanging about.
I don’t like the idea of have Santa and Exposed in the same sentence. Gives me nightmares just thinking about it.