In recent weeks, two raccoons made headlines: one fell out of a ceiling in a Wisconsin restaurant and bit someone, and another pillaged the bottom shelf of a liquor store in Virginia, got drunk, and passed out in a bathroom.
In both cases, businesses had to deal with the aftermath, a process which often includes reaching out to an insurance company to make a claim for damaged property, lost inventory, or, in some cases, injury to a customer. In the cases of the ceiling savage and the booze bandit, how would insurance play a role? That depends on two important factors, said Franklin Manchester, principal global insurance advisor at analytics firm SAS.
