Chapter 10 - THE INSURANCE CLAUSE
The insurer did not immediately cancel Little Steps.
Instead it reserved rights.
Policy required truthful incident reporting.
Intentional material misrepresentation could void coverage for certain claims.
That terrified Natalie.
Owen’s injury was minor.
But regulatory consequences could be expensive.
Then another problem appeared.
Little Steps had applied for policy renewal two months after the evacuation.
Question:
Any known safety incidents involving blocked exits or emergency access?
Answer:
No.
Electronic signature:
Natalie.
That was more serious.
Not because the accident itself was catastrophic.
Because the answer was false if Natalie knew the latch had blocked evacuation.
Lauren argued:
Natalie understood “safety incident” to mean a reportable event causing injury due to the blocked exit.
The insurer defined it more broadly.
Ambiguity.
Then internal email:
MELISSA:
Do we need to mention the door issue on renewal?
NATALIE:
No. Fixed. Don’t reopen it.
That hurt.
Rachel read it twice.
May you like
Natalie had not merely panicked once.
She had turned temporary concealment into policy.
