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Vol. 2, Iss. 21
November 13, 2013



The Most Interesting Insurance Man
In The World


You’ve no doubt seen him in many commercials for Dos Equis beer. He’s gray-bearded and handsome, wears a smoking jacket, has a cigar between his fingers and is often seen with a beautiful woman on his arm. He is – The most interesting man in the world. A voice-over on the commercials then lists some of the things that he does to deserve this title of all titles: His snow globe gets 24 inches of fresh powder every year; His charm is so contagious that vaccines have been created for it; His blood smells like cologne; His organ donation card also lists his beard; His lives vicariously – through himself; When he drives a new car off the lot it increases in value; The police often question him just because they find him interesting; and so many more.

Then, at the end of the commercial, he appears on the screen, looks you straight in the eye and says with a suave Latin accent: “I don’t always drink beer, but when I do I prefer Dos Equis. Stay thirsty my friends.”

Well, you may not know this (and I’m sure you don’t) but there is also a most interesting insurance man in the world. He’s short and wears a bowtie and writes an insurance newsletter. Kidding. Kidding. Consider ten things that make the most interesting insurance man in the world worthy of such a grandiose title (and make that Dos Equis guy green with envy):

He disclaims coverage under the pollution exclusion and then goes to the site and cleans it up himself.

He goes to a bar to investigate a liquor liability claim and buys everyone a drink.

He shows up at a mediation and everyone offers him their limits.

He doesn’t consider notice to be late if it was only fashionably late.

He describes a defense obligation as a pleasure to defend.

His calling card alone is considered a proper reservation of rights in 42 states.

When he wins a coverage action he sends a fruit basket to his adversary.

His choice of law problem is between France and Monaco.

Allocation is never an issue because there is plenty of him to go around.

He thinks it would be tacky to seek reimbursement of defense costs.

I don’t always disclaim coverage, but when I do I prefer not to do so in bad faith. Keep it covered my friends.

That’s my time. I’m Randy Spencer.


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