Rip-off: Hartford runs 'extreme weather' ad on NYTimes web site

It’s “on the rise” — so let us over-insure you?

Insurers know that bad weather comes and goes… and after it comes, it’s not likely to come again for a long time… that’s why they’re called “100-year” storms.

Hartford extreme weather ad


  1. According to Roger Pielke Jnr, the insurance industry quickly makes good any losses as premiums rise, and people over-insure. A long period without any extreme disasters is probably more harmful to industry profits than lots of disasters. But panic about a non-problem, or a trivial issue is even more profitable. The insurance companies only cost is advertising needed to generate the panic.

  2. And I suppose all these profits are unregulated and un-taxed – or not taxed as high as they should be? Oops – have I trodden on someone’s foot?


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