It is certainly a commonplace to spot stories in the media where insurers' bad-faith conduct is alleged. The focus of wrongful behavior is often on claims of unresponsiveness to policyholders' lawful demands or issued checks that don't fully cover costs.
There are some classic and all-too-common villain tropes in the movies: the Scrooge-type miser, the megalomaniac and the greedy, faceless corporation. Add insurance companies to that list. Movies show them as heartless organizations denied their customers in the name of extra profit. Whether it's a cartoon like The Incredibles or the John Grisham novel-turned-movie The Rainmaker, there's a public perception that insurance companies are adversarial.
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The principals of national insurer OneBeacon Insurance thought they had it duly figured out and were sufficiently protected by language in an insurance policy that addressed the limits of their liability to an insured in any claim for losses and damages.
As a commentator in a recent business-related article notes, the principals of startup enterprises routinely devote -- and rightly so -- a substantial amount of time, energy and resources to the crafting of plans geared toward promoting success.