You return from a post-ride coffee stop to find your locked bike rack empty—your $8,000 carbon road bike, gone in 60 seconds. Your homeowners insurance offers $500 after depreciation and a $1,000 deductible. You pack your skis for a dream trip to Aspen, only to have the airline lose them—your policy covers $200 of the … Read more
You arrive at your storage unit to find the hallway filled with smoke—an electrical fire three doors down has destroyed everything in its path. Your $15,000 furniture set is ash, your vintage vinyl collection is warped beyond repair, and the electronics you were saving for your kids’ college apartments are melted. The facility manager hands … Read more
You’ve finally built your dream tiny home on wheels, but a highway accident damages the trailer and you discover your auto policy doesn’t cover the $80,000 structure on top. Your off-grid tiny house in the mountains survives a wildfire, but your insurer denies the claim because you never told them about the solar panel installation. … Read more
You slip your $8,000 engagement ring onto the bathroom counter while washing dishes—it disappears down the drain, lost forever. Your diamond tennis bracelet is stolen from your hotel room during a weekend getaway. A house fire melts your grandmother’s heirloom brooch into an unrecognizable lump of gold. Your homeowners policy responds with a $1,500 check … Read more
You perform at a summer festival and your $8,000 vintage Gibson is stolen from the backstage tent. Your homeowners policy denies the claim because it was “away from the premises.” You ship your cello for a conservatory audition and it arrives with a cracked body—shipping insurance covers only $1,000 of the $15,000 repair. A basement … Read more
You invest $12,000 in a smart vending unit, stock it with $2,000 in organic snacks, and secure a prime location in a luxury gym—then a power surge fries the motherboard, spoiling all inventory. A college student claims your machine gave her food poisoning from a bad protein bar. Thieves break into your warehouse overnight, stealing … Read more
You’re arranging a $5,000 Armani sectional in a client’s penthouse when the freight elevator jerks, gouging a 12-inch scratch across their white oak floors. A potential buyer trips over your strategically placed Persian rug at an open house, fracturing their wrist. Your assistant scratches a marble countertop with a metal vase while repositioning it. In … Read more
You’re filming a $50,000 luxury wedding when your drone loses GPS signal and crashes into the bride’s parked Bentley, causing $18,000 in damage. A real estate client’s memory card corrupts, losing the only footage of a $2 million property listing. A neighbor sues after your aerial photos capture their sunbathing teenager in what they claim … Read more
You prepare a $200-per-person anniversary dinner using premium scallops—then the client spends three days in the hospital with food poisoning. Your $3,000 Vitamix blender and $2,500 knife kit disappear from a client’s kitchen while you’re loading your car. Your assistant chef slips on a spilled sauce, shattering her wrist and requiring surgery. Each scenario represents … Read more
You spend $3,000 on a professional steam cleaner, $2,500 on a pressure washer, and $1,200 on ceramic coating supplies—yet operate with zero insurance coverage because “it’s too expensive.” Then your employee scratches a client’s $85,000 Tesla while backing it out of the driveway, or your van gets stolen with all equipment inside. In one moment, … Read more