Professional Beauty : Pro Beauty Jul-Aug 2015
insurance proposals over the years from all industries — not just the beauty realm: Question: Name Answer: Me Signature: SeeName Question: What is your principal address? Answer: Please contact my college/school for my principal’s address. I have finished my course now! Question: Business location — mobile? Answer: No, we do not do phones — only beauty Question: Type of Operators Number of Staff Directors 2 Full-time Employees 2 Part-time Employees 1 Consultants 2 TOTAL: 2 (?!) Question: Type of Equipment Quantity Answer: Laser machine Very good (?!) Question: Have any complaints or investigations ever been made or undertaken against you or against any director, partner, employee or students under super vision? Answer: Yes, but they were always the client ’s fault, not ours. Question: If you have tanning sun beds, please describe type of machine/s. Answer: They are by the pool and made of woven cane. You see — the Insurance Industry is not so dry after all! I quickly emphasise that the above has been gathered over some 20-year period and revisited to bring you a smile, but they were actual responses received in this office. Finally, another true case. A lawyer in Charlotte, North Carolina, purchased a box of very rare and expensive cigars, then insured them against fire, among other things. Within a month, having smoked his entire stockpile and without yet having made even his first premium payment on the policy, the lawyer filed a claim with the insurance company. In this claim, he stated the cigars were lost “in a series of small fires.” The insurance company refused to pay, citing the obvious reason: that the man had consumed the cigars in the normal fashion. The lawyer sued — and won! In delivering the ruling the judge agreed with the insurance company that the claim was frivolous. The judge stated nevertheless, that the lawyer held a policy from the company in which it had warranted that the cigars were insurable and also guaranteed that it would insure them against fire, without defining what is considered to be “unacceptable fire”, and so was obligated to pay the claim. Rather than endure lengthy and costly appeal process, the insurance company accepted the ruling and paid $15,000 to the lawyer for his loss of the rare cigars lost in the ‘fires’. But after the lawyer cashed the cheque, the insurance company had him arrested on 24 counts of arson! With his own insurance claim and testimony from the previous case used against him, the lawyer was convicted of intentionally burning his insured property and was sentenced to 24 months in jail and a $24,000 fine. Danny Gumm is branch manager of AJ Gallagher in Beenleigh, Brisbane. For more information , contact 1800 727 642.
Pro Beauty May-Jun 2015
Pro Beauty Spt-Oct 2015