PROLOGUE
Martin is a 38-year-old
virgin marked for
greatness by the
insurance gods. In his
professional life, he is
paid to assess risk, but
in his personal life he
plays it safe.
Experience has shown
him that lonely is
better than
brokenhearted.
George is a wannabe
architect with white
man's dreadlocks. He
risks his neck on the
streets of Toronto
every day as a bike
courier, but his job is
unchallenging and he
chooses apathy over
the risk of failure at
what he really wants
to do.
When George tags
along with Martin to
investigate the scene
of his latest claim, they
stumble upon a
burglary in process.
Now they are being
hunted by an unknown
adversary who will
stop at nothing to get
what he’s after,
forcing Martin and
George into a
dangerous game of cat
and mouse in which
they must risk
everything.

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Emmanbaba, buccie
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bennito, ojingbe,TeeVee, Missmossy mariemummy
moshood1993 you all re invited......

Hey!! See this boi.... You are using my surname? Hmmn.. Carry on boss.

kinwayne:
Hey!! See this boi.... You are using my surname? Hmmn.. Carry on boss.

lols, i didn't know it was your surname anyway thanks for dropping by!

I don present ooo, here I am


Observation before the first update;

SPACING: Spacing is one of the most essential characteristics of a good story(prose). You need to space ya work sir (...D9ty7, please come help here oo)

PUNCTUATION: Another important factor, please master that also (...fembleez1 or fataveli, will surely help on that)


Now make I put my own contibution; I think you don't need all this "said angelina" of a things, instead, put in a dramatic way I.e.

Chinyere: please don't leave me
Angelina: why wouldn't I?
Chinyere: because, you won't want to die...
...

just saying ni ooo

I dey follow

EPISODE 1

Martin Porchnik could
see Jason from Claims
approaching the
Underwriting area with
a yellow file in his hand
and a big smirk on his
face. A chill went
through Martin, as it
always did. A yellow file
meant a property claim
to be paid, and although
he would ask not for
whom the bell tolled, he
still prayed it didn’t toll
for he.
“Good afternoon,
‘Underwear’
department. Whose day
can I ruin today?” said
Jason. “Anybody have a
file for Ultimate
Diecasting?”
Martin grimaced. He
knew that name. Of all
the shit files that
landed in his lap, that
one stuck out in his
memory as one of the
shittiest.
“Heads are going to roll
over this one,” said
Jason, looking around
with an evil grin.
“Not one of mine,” said
Darlene.
“It’s not me,” called
Dave from his cubicle at
the back.
“It’s me,” said Martin.
Everybody looked at him
and he shrugged his
shoulders. What're ya
gonna do?
“Is this the kind of crap
you’re writing down
here?” Jason parked his
bulk next to Martin’s
desk, leaning his elbow
on the upper shelf. “No
wonder I’m so busy
paying out the big
bucks. I need a dec
page, underwriter boy.”
He was what might be
called a big galoot.
Tallish and stocky going
on fat with dark curly
hair and thick eyebrows
that looked angry or at
least sarcastic all the
time and a kind of
goatee that made him
look devilish.
“I haven’t even issued
the policy, yet,” Martin
said, looking away from
Jason's dark eyes and
back down at the
yellow file that spelled
possible doom. Did he
have to enjoy it so
much?
“Well, what’s the hold
up? Let’s get it in gear.
Do I have to come
down here and crack
the whip on you
people?”
“It just came in last
week.” He dug through
his pile of bound
submissions waiting to
be entered onto the
computer.
“Well, that didn’t take
long. What have you got
for me, so I know how
much I have to pay out
here? Or did you want
me to just give them a
blank check?”
“We have a copy of
their last year’s dec
page from the prior
carrier. We bound
coverage on the same
basis.” Well, he hadn’t,
but his boss had. The
decs, or policy
declarations, which
were a listing of the
coverages and wordings
included, had just landed
in his lap, in fact. And
right away he had to
hand them over to
Jason so he could pay
the first claim.
Delightful.
“Gee, thanks. I guess
it’s something. Let me
make a copy and I’ll be
right back.”
“Can you leave me the
claim file?”
“Sure. Read it and
weep.” Jason passed
him the file and then
walked away to the
mail room to make his
photocopy.
“Thanks,” said Martin.
He opened the file with
a small feeling of self-
satisfaction that he
hoped wouldn't show
on his face. He wasn't
the one who had put
them on the risk, so the
blame wouldn't fully fall
to him, come to that. It
gave him a little get out
of jail free card, but it
was something he had
to pretend he didn't
think.
Most of what
underwriters do in a day
is consider risk. They
read submissions of
potential “risks,” which
in his department were
businesses they were
being asked to insure,
and they had to assess
the likelihood of having
to pay out money
because of some
misadventure that
might befall each. This
would be either a
lawsuit or a fire or a
flood, etc. If you
included famine, you
would have almost all
four horsemen of the
Apocalypse. War is
excluded. So
underwriters choose
which businesses to
insure and how much
money to charge so
that, on average, a
certain class of
business would make
money for the
company. The general
principal of insurance is
that the premiums of
the many would pay for
the losses of the few.
So they wrote up
business for a whole lot
of machine shops
across Canada and only
a few, like Ultimate
Diecasting, would have
a claim, and it should all
even out and whatever
was left over minus
expenses was profit. If
he did his job right.

harjibolar10:
I don present ooo, here I am


Observation before the first update;

SPACING: Spacing is one of the most essential characteristics of a good story(prose). You need to space ya work sir (...D9ty7, please come help here oo)

PUNCTUATION: Another important factor, please master that also (...fembleez1 or fataveli, will surely help on that)


Now make I put my own contibution; I think you don't need all this "said angelina" of a things, instead, put in a dramatic way I.e.

Chinyere: please don't leave me
Angelina: why wouldn't I?
Chinyere: because, you won't want to die...
...

just saying ni ooo

I dey follow

thanks bro! I'll try my best! Working on all what you just mentioned now! Thanks for the comment!

thronekid, almacherish,
sophieabou,
SusannaJohnson,
Toeyean1507,
lovelygurl dopevick,
donkizzydaboss,
prettydiva89 guys you're
welcome here....

Sweetdreamer:
thronekid, almacherish,
sophieabou,
SusannaJohnson,
Toeyean1507,
lovelygurl guys you're
welcome here....

I'm here bro

thronekid:

I'm here bro

thanks, how do you check the work have done! Still have more thinqs to do but what do you think?

Sweetdreamer:
thanks, how do you check the work have done! Still have more thinqs to do but what do you think?

All i can say is [size=24pt]NICE[/size] but you still need to improve,owk?

thronekid:

All i can say is [size=24pt]NICE[/size] but you still need to improve,owk?

i know and am working on it!

So that was most of
what underwriters do:
consider which risks to
get and which ones to
keep by renewing. The
rest of what they do all
day is worry that the
risks they have
selected will have a big
claim and they will be
hauled onto the mat to
answer for it. Consider
risk and worry for a
living. Nice work if you
can get it. Martin shook
his head and tried to
concentrate on the
claim report.
The date of loss was
Sunday, so it had been
the previous night. It
was a professional hit.
The line to the alarm
monitoring station had
been cut and the bars
had been taken out
along with the window,
which was removed in
one piece from the
frame. The place was a
mess and the only
things missing were
plans and blueprints
from a current job.
There would be a
payout under “Valuable
Papers” and a Business
Interruption loss while
the plans were
reassembled. They
would have to pay to
have the line repaired
and the window
replaced. Nothing else
stolen or destroyed.
That didn't sound right.
This one had disaster
written all over it from
the start. He
remembered when the
phone call had come in
from the broker, only a
week ago, and it hadn’t
passed the sniff test
from the start.
“Hi, Martin. Listen, I’ve
got a piece of new
business for you. It’s a
machine shop. Do you
think you could do it for
four thousand bucks?”
“Let me take a look at
it. Put some details on
paper and fax it over.”
“Can’t you just quote
me over the phone?”
“Well, what do they
make?”
“Just various metal
products.”
“It makes a difference
to what we would
charge. And I’ll also
need construction and
protection details on
the building to
determine the property
rate.”
“It’s HCB, steel deck
roof, of course. What
else? I’m a busy man,
Martin. I don’t have
time to get into all this
detail.”
“I can’t quote over the
phone. I’ll need
something in writing.
Including receipts. Do
they sell to the U.S.?”
“What do you think?
Everybody sells to the
U.S. This is just a little
risk, I don’t see the big
deal.”
“Sales to the U.S.
increases our exposure.
You’d better send
something over.”
“I’ll get back to you.”
Unbelievable, was his
first thought when he
had hung up the phone.
What do we even need
underwriters for, if
that’s the way we’re
going to deal in
insurance? It’s not
about the size of the
building they occupy, or
the number of people
they have working for
them, their level of
training and
qualification, or who
they sell their products
to, or how much they
sell, or how much
equipment they have
and what it costs to
replace it, would a key
piece of equipment shut
down the whole shop
while it was being
repaired, or whether
they deal in cash or
credit, or how long a fire
would put them out of
business, or ten or fifty
other things that Jed
Johansen wouldn’t think
to ask... it’s about a
few thousand bucks
and a quick sale.
Granted, 99% of
brokers were diligent
and professional and
trustworthy, but it was
the ones like Jed
Johansen that you had
to watch or else you
ended up in situations
like the one he was
currently facing.
Jed never did send in a
full quote submission,
he just went over
Martin’s head and spoke
to Gerry. “Gerry” was
short for Geraldine, his
supervisor. She
preferred the
diminutive, as she didn’t
live in the Victorian age.
She was tall and
confident and blond, and
Martin found her easier
to deal with than his
previous boss. She had
an intelligent face and
sharp eyes. She was
impatient all the time,
but kind. From looking at
the pictures on the
desk of her husband
and kids, he imagined
she was one of those
busy moms who were
great with their kids,
efficient at work and
able to keep the whole
world spinning on the
end of a stick.

Sweetdreamer:
i know and am working on it!

Owk

Ok,......am here,would take time to read when am less busy

Fembleez1:
Ok,......am here,would take time to read when am less busy

thanks boss, i really appreciate

“I just got off the
phone with one of the
Johansen brothers, I
forget which,” Gerry
had said when she
dropped by his desk not
twenty minutes after
the first phone call
came through. “I bound
that risk, the machine
shop, for $5000. He’s
faxing over last year’s
dec page.”
“Oh,” he had said
hesitantly. This was
very bad form, indeed.
Without a written
submission, there were
no declarations or
representations from
the broker upon which
to rely, and as they say,
a verbal contract isn’t
worth the paper it’s
printed on, ha-ha.
“I know,” said Gerry.
“You’re not happy about
it.”
Martin shrugged but
looked steadily at her.
“Not really. I don't like
him bypassing me to
get to you. You can't be
doing all the quotes in
the department.”
“I know. It was an
accommodation. This is
a growth year, and we
have got to take it
where we can get it.
Besides, we can get it
inspected and take care
of any problems then.”
“When it will be too late
to get more premium if
we need it.”
“It’ll be fine, Martin.
Besides, we’re $5K to
the good, instead of
nothing, and I want to
switch the Johansens
on so they’ll start
sending us more
business.”
“I understand.”
Five thousand dollars?
They knew nothing
about security,
products, contracts,
warranties... it would
have to be inspected,
thought Martin, just as
the fax had been
dropped off in his IN
box.
It was out in Scarberia,
their nickname for
Scarborough, the north
east part of Toronto. It
was in a moderately
high crime area, big
limits on tools and
computers, which were
the first to go. This
was terrible. The Total
Insured Value, or TIV,
was over $4 million: the
company’s money on
the line for who knows
what. And now a claim,
proving him right about
his fears.
“Here’s your so-called
dec page back.” Jason
loomed by his desk
again. “Can I have my
file back, or were you
going to take it home
with you?”
“It’s all yours. Why do
you think thieves would
break into a place like
that and not steal any
tools or computers?
Things with a quick turn
around. Those are
usually the first to go,
and yet these thieves
ignored them.”
“What do you think, oh
brainy one?”
“I think they knew
what they were looking
for. All they took was
highly specialized
diagrams, plans, and
design specs. What
petty thief takes
that?”
“Okay, so what?”
“It sounds suspicious,
that’s all. I think you
should be careful with
this one. It’s bothered
me since we wrote it.”
“Well, thanks for the
advice. I’m glad you
know so much about
how to do my job,
because you obviously
didn’t know how to do
yours.”
“Sorry. Just a
suggestion.”
“I’ll take it under
advisement,” said Jason
over his shoulder.
When the adjuster had
left, Martin quickly
composed a fax form
and fired it off to the
broker: Urgent. Insist
that the insured
upgrades security
system to provide ULC-
approved Line Security
Level III protection, to
prevent a recurrence of
this kind of loss. Please
advise ASAP how the
insured intends to
proceed. Our file is in
abeyance pending your
reply. Then he walked
over and knocked on
Gerry’s door.

Right here

Sweetdreamer:
thronekid, almacherish,
sophieabou,
SusannaJohnson,
Toeyean1507,
lovelygurl dopevick,
donkizzydaboss,
prettydiva89 guys you're
welcome here....

almacherish:
Right here

lols, you're welcome to... Shaxee thread...

Nice one

Sweetdreamer:
thronekid, almacherish,
sophieabou,
SusannaJohnson,
Toeyean1507,
lovelygurl dopevick,
donkizzydaboss,
prettydiva89 guys you're
welcome here....

Wow, the story rocks! Oh my God! Thumbs up!

Sweetdreamer:
EPISODE 3

The taxi man took chikere to where he was going to murder the C.E.O of Diamond reporters limited but unfortunately, Police were everywhere and chikere need to accomplish his mission in the next 2hours. Chikere is a high assasin, and good at his job and always with his pistol (firearm).

Chikere was ready to go for the C.E.O .but, there were too many crowded people in the environment. Before chikere could get out of the taxi, his phone buzzed, Checking the caller was his boss the trinity.

'Chikere: hello boss.

'Trinity: yeah, kid we have changes of plans right away, it seems we wont succeed or accomplish on killing our target (Diamond reporter C.EO) thats why we changed our plan for the target. We have scanned the building finding 85floor rooms. In this case, this gonna be a kidnap situation. Kill one of the police men around. Take it uniforms. We will be sending CROSS with the BMW car to pick you and the target on your location, son do not fail me

'Chikere: alright sir. I wont fail you....

Chikere walked slowly like a cat to the building,(Holding a camera) he wanted to entered the building when the police stopped him.

'hey young man stop there(Chikere froze, he didn't move, but turned back slowly.)

Police: what re you doing here? We thought we dismiss all of you?

Chikere: yes you did, but i got a message from the C.E.O., he said he wanted to see me urgently

Police: alright if thats the case, let me contact him and tell him you're here.

Chikere: no need for that sir! One of your men can excort me to the C.E.O office.

Police: alright, sergent mayi, excourt him to them C.E.O office right away, alright sir (he saluted).


They entered the building, heading to the C.E.O office while chikere pretented he hitted his leg on one of the steps, sergent mayi wanted to help, but chikere quickly jacked him in the neck, strangle him till death, he dragged the dead body to of the room, and headed to the C.E.O office.

The C.E.O was working on some files, when he heard a slice knock on the door, which made him to answer come in. (Chikere entered the room, brought out his firearm gun, pointed it at the C.E.O)

He orderd "get up!"(The C.E.O obeyed)

Chikere dragged him with force which made the C.E.O to fall down on the floor, but chikere didn't care, dragged him up again to one of the back door exit in the building.. While CROSS had already text chikere. Thats he waiting for him.... Chikere dragged the C.E.O in to the BMW car and CROSS zoomed off with a high speed!!.....


THE GAME HAS JUST BEGUN......... Stay tuned

Just try and digest that(it is all I can offer for now)

Fembleez1:
Ok,......am here,would take time to read when am less busy

please do ooo

Our man here needs your help oo

lovelygurl:


Wow, the story rocks! Oh my God! Thumbs up!

thanks dear, i really appreciate you here..

harjibolar10:


Just try and digest that(it is all I can offer for now)

thanks bro, but i notice somethinq now, when i typed... Shit, nairaland changed it to bleep, why isn't so?

Sweetdreamer:
thanks bro, but i notice somethinq now, when i typed... Shit, nairaland changed it to bleep, why isn't so?

That's nairaland for you oo, just ignore it sir

tanx for the invitation...love the story

harjibolar10:

That's nairaland for you oo, just ignore it sir

alright i'll but hope am going fine on the story?

Sweetdreamer:
alright i'll but hope am going fine on the story?

Oga you are making sense, the story line is a bomb

Keep 'em coming

harjibolar10:

Oga you are making sense, the story line is a bomb

Keep 'em coming

thanks bro... I'd keep that up

prettydiva89:
tanx for the invitation...love the story

thanks dear... You welcome here, you can take a sit, or thronekid can help you... Just drop what you want lols!! Thronekid is the waiter here...