Alien Invasion!?!

No one has ever asked me about this, but I could not resist passing along this article!

 

What if there was an alien invasion?

What if aliens visit the earth and cause bodily injury or property damage? Is insurance available to cover such liabilities?

 

Alien abduction insurance

No discussion of extraterrestrial insurance would be complete without addressing the possible risk of alien abduction. Alien Abduction Insurance (AAI), a/k/a UFO insurance, supposedly covers the insured in the event someone can provide verification of abduction by non-human life forms or aliens. In 1994, a company now known as UFO Abduction Insurance Company insured 35,000 Americans against being kidnapped and eaten by aliens. Today, this company sells a $10 million policy and has sold more than 100,000 policies, with at least two paid out claims.

 

Homeowners:

If a UFO (unidentified flying object) lands on and destroys your house, there is no exclusion for that damage. However, if the UFO lands on the ground causing holes, that damage would fall under the land exclusion. Should the UFO leave any parts to be removed, that debris removal expense is not covered, as debris removal is for covered property only. Should aliens come into and destroy the home, there would be coverage for that direct physical loss.

 

There is an exception under the expected or intended injury exclusion for "bodily injury" resulting from the use of reasonable force to protect persons or property. If an alien came onto your residence threatening damage or bodily harm, you could use force to defend yourself and the policy would defend you against claims of injury from the alien.

 

Commercial property

Under the Causes of Loss forms (basic, broad and special), coverage extends to contact with a spacecraft, which should include a UFO. If deemed vandalism, there should be coverage for any property damage perpetrated by an alien.

 

However, if the government has to seize or destroy your property to protect it from the aliens, there would only be coverage for damage from the government destroying property to prevent the spread of a fire.

 

Alien as insured

Lastly, would an alien be eligible to purchase an insurance policy? Well, that would depend if that alien were an 'individual'. When a term is not defined, we look to its common meaning and standard definition. Wikipedia defines an individual in part as, "...that which exists as a distinct entity..." The Free Dictionary defines an individual in Part 1 as, "of or relating to an individual, especially a single human; [or] by or for one person." Part 2 of the definition is "Existing as a distinct entity; separate." Depending on how broadly the carrier interprets the definition of 'individual', an alien might conceivably be granted eligibility to purchase a commercial insurance policy.

 

If you have lots of free time and want to read the entire article from Property Casualty 360, here's the link.

 

For more information, contact John Sallade.

The members of PACAH's PELICAN insurance program met on April 25, 2019 at the Penn Stater Conference Center, during the PACAH Spring Conference. Attendees received an update on the PELICAN liability insurance program, and re-elected two members of the Subscribers Advisory Committee (PELICAN's board of directors).

 

Congratulations to:
James Aurand, Administrator, Susque-View Home, and
Brenda Stewart, V.P., Captive Management Services, AIG, Vermont Director

 

Both were elected to three year terms, ending in April 2022.

For more information about PELICAN and how it can provide coverage and risk control services to your county nursing home, or other non-profit homes in your county, contact Andrew Smith at CCAP.

PCoRP's three year project to provide members with one of three electronic documentation systems for their prison ended on May 31, 2019. The project was designed to provide county prisons with a system to document interactions with inmates, which then provides solid information when a claim occurs, allowing PCoRP to better defend the county and its employees in the event of a lawsuit.

 

While final numbers are being compiled, we are pleased that 38 PCoRP members have taken advantage of the program! PCoRP's total expenditures on behalf of those members will end up being a little more than $2 million.

 

Members chose between three companies: Guardian RFID, Guard 1/Timekeeping and CorreTrak. We would like to thank those companies for their professionalism and their work to assist county prisons. This project was coordinated by Keith Wentz, CCAP's Risk Management and Underwriting Manager, with assistance from Insurance Boards Legal Counsel Barb Zemlock, and CCAP's risk control specialists: Dennis Cutler, Maureen McMahon, Andrew Smith and Kelly Kyzer. As you can imagine it has been quite a lot of work!

Questions about the project should be directed to Keith Wentz  at CCAP.

Did you know that CCAP's Insurance Programs offer a wide variety of safety resources to members at
no additional cost!? View the Safety Resource Booklet to learn about all the services offered! 

Finally, the winter of 2018-2019 is just a memory. The days of inclement weather driving are over, at least for a few months. Or are they? According to a study by Auto Insurance Center's using data from the National Highway Traffic Safety Administration rain or wet roads are deadlier driving hazards here in Pennsylvania then snow, ice or fog. According to the study 73% of weather related accidents occur while it's raining or the roadways are wet.

Here are a few safety tips to consider:

As with any inclement weather, slowdown be aware of your surroundings and give yourself extra time to get to your destination so you can arrive safely.