When it comes to insurance, too many folks on all sides don't understand the difference between mental fantasy and reality. And that is truly scary.

Let's consider two recent coverage queries that crossed the radar.

First, an example of how some outside our industry — let's call them “attorneys” — clearly enjoy a mental fantasy that they not only know something about insurance, but fancy themselves as the protectors of unsuspecting victims from the subterfuges plotted by the insurance industry. Here is one actual provision of a commercial building's lease sent me by an alert reader, referencing a requirement for the tenant's liability coverage:

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