CHAPTER TWENTY-EIGHT, HAIRY RISK TAKER

As he flew back home, Hairy was thinking about the Director’s instructions, “Go back to Chicago; maintain your cover as an insurance agent.” He was thinking that he was bored with the insurance game. He wanted something new to break the monotony. He had done it all, from Terrorist Insurance to Kidnap and Ransom Insurance and everything in between. He wanted to invent a new kind of insurance but he couldn’t think of one. He decided to call his friend, the Freelance Thinker. He hit the speed dial button on his secretly coded satellite phone and when the Freelance Thinker answered he said, “Hello Harry, this is Hairy”.
“Yeah Hairy, what can I do for you?”
 “I need some creativity help. I want to invent a new type of insurance but can’t think of one.”

“Well, my friend”, said Harry, “Considering that there are four thousand insurance companies and thousands of insurance types already in existence, that’s not going to be easy.”
 “Yeah, I know” said Hairy. “That’s why I called the famous Freelance Thinker. Help me out here.”
 “Okay, I do have an idea that might work for you. We will call it Sociopath Insurance. It will indemnify a policyholder for damage, loss, or injury caused by a sociopath. This is a real need in our society but no one has come up with protection for this serious loss exposure.”
 Hairy asked, “What the hell is the lose exposure?”
 Harry answered, “Sociopaths are dangerous people in our midst who sometimes destroy the lives of others. They are charming, manipulative, have no remorse for hurting others, lie to get what they want, and have no concern about the welfare of other people. They will secretly do horrible things to promote their self interest.”
 Hairy said, “Wow! I could use some of that insurance!"

To be continued…