{"data":{"id":15370,"title":"KAIZEN: War Exclusion Clause","rsi_url":"https:\/\/robertsspaceindustries.com\/comm-link\/spectrum-dispatch\/15370-KAIZEN-War-Exclusion-Clause","api_url":"https:\/\/api.star-citizen.wiki\/api\/comm-links\/15370","api_public_url":"https:\/\/api.star-citizen.wiki\/comm-links\/15370","channel":"Undefined","category":"Undefined","series":"News Update","images":[{"id":389,"name":"KaizenLogoFL3.jpg","rsi_url":"https:\/\/robertsspaceindustries.com\/media\/06567oxyhksh9r\/source\/KaizenLogoFL3.jpg","alt":"","size":946019,"mime_type":"image\/jpeg","last_modified":"2013-07-19T05:23:18+00:00","api_url":"https:\/\/api.star-citizen.wiki\/api\/comm-link-images\/389","similar_url":"https:\/\/api.star-citizen.wiki\/api\/comm-link-images\/389\/similar"},{"id":26463,"name":"source.jpg","rsi_url":"https:\/\/media.robertsspaceindustries.com\/weozjmuuh3hwh\/source.jpg","alt":"","size":843046,"mime_type":"image\/jpeg","last_modified":"2019-09-19T15:49:32+00:00","api_url":"https:\/\/api.star-citizen.wiki\/api\/comm-link-images\/26463","similar_url":"https:\/\/api.star-citizen.wiki\/api\/comm-link-images\/26463\/similar"},{"id":27892,"name":"source.jpg","rsi_url":"https:\/\/media.robertsspaceindustries.com\/w3o9r4zgppm77\/source.jpg","alt":"","size":900916,"mime_type":"image\/jpeg","last_modified":"2021-09-06T14:48:40+00:00","api_url":"https:\/\/api.star-citizen.wiki\/api\/comm-link-images\/27892","similar_url":"https:\/\/api.star-citizen.wiki\/api\/comm-link-images\/27892\/similar"}],"images_count":8,"translations":{"en_EN":"START TRANSMISSION:\nWelcome to Kaizen, your guide through the jump point to financial solvency. I am your host, Aaron Schere. Today\u2019s top half of the show sets its fiscal eye on insurance. With many things in flux around the UEE, especially given the on-going war with the Vanduul, the industry\u2019s landscape is shifting in ways you should know.\n\nPast performance is not indicative of future results. Neither Schere, Kaizen nor Farnes Media Partners guarantees any specific outcome or profit. Before acting on information in this program, you should strongly consider seeking advice from your own financial or investment adviser.\nLet\u2019s start in the Stanton System. Ship insurance company ProtLife, a subsidiary of Stanton\u2019s own MicroTech, has kicked off a new service allowing customers who have had their ship stolen or destroyed to accelerate the normal replacement process, for a nominal fee.\n\nEarly reports indicate that customers are responding well to the service, particularly single-ship owners and haulers \u2014 both key groups whose economic situation can be adversely affected by the delays and red tape that accompany most claims. According to an insider, if the program\u2019s positive response continues, we should expect the service to become available to all ProtLife customers within the year.\n\nMeanwhile, a representative from the IACA, a consumer advocacy organization, worries that monetizing the rapid replacement of ships only incentivizes insurance companies to drag their heels on standard claims, slowing the process to a snail\u2019s pace to push loyal customers into paying extra for their replacement ship. Yet despite the concerns, buzz is building among other insurance companies, and there are rumors rival companies are considering similar services.\n\nSpeaking of insurance, let\u2019s move on to our lead story. It\u2019s been eight months since the Vanduul attack on Aremis, but rubble and crumbling buildings are still a common sight in certain parts of the planet. Last week, an article by Aremis Post journalist Laura Quinn highlighted a potential culprit that she attributes as the cause of the problem. Laura joins us now to explain what she found, and how it might be holding back Aremis from both an economic and an emotional recovery.\n\nWelcome, Laura.\n\nLaura Quinn: Thanks for having me.\n\nSo you\u2019ve spent nearly two months investigating this issue and found that the fate of many homeowners changed once the Senate officially declared war against the Vanduul. Explain to our audience how this action has affected the rebuilding effort.\n\nLaura Quinn: My investigation uncovered that insurance companies have been denying policyholders\u2019 claims by invoking the \u2018war exclusion clause\u2019 that\u2019s standard in most homeowner\u2019s policies.\n\nIn essence, the moment the UEE Senate officially declared war on the Vanduul, insurance companies were released from any responsibility to pay those claims, leaving many Aremis residents angry and unsure how they could put their lives back together without the help they expected.\n\nIn your story, you spoke to Garret Wong, a representative from the Insurance Trade Alliance, who vigorously defended the position. How did he justify his argument?\n\nLaura Quinn: Mr. Wong stated that the war exclusion clause was an essential part of homeowner\u2019s insurance and had been so for centuries. Without it, insurance companies would go insolvent rebuilding worlds ravaged by war. The fear of being stuck with such a burden would lead insurance companies to deny services to any system that could potentially come under attack.\n\nSo if normal homeowner\u2019s policies don\u2019t indemnify homeowners that lose everything due to an act of war, what should consumers in Vanduul border systems do?\n\nLaura Quinn: Well, Mr. Wong was quick to point out that Vanduul attacks are not uninsurable events, only that they are not covered by standard homeowner\u2019s insurance. If they were, he argued, it would mean increased policy premiums across the Empire.\n\nAs an example, he explained how a homeowner in Angeli needs earthquake insurance in addition to homeowner\u2019s insurance to be fully protected. Earthquakes are a natural risk specific to Angeli, and insurance companies don\u2019t ask policyholders on Green to help shoulder that cost. The same thinking applies to anyone living in a system that borders Vanduul territory. It creates a threat specific to that location and should be insured separately because of it.\n\nIn fact, Mr. Wong recommended any policyholder living in a system near the Vanduul front should contact their local insurance agent to discuss options that provide them the proper protection.\n\nThe Senate bears some responsibility in this matter. After all, it was their declaration of war that let the insurance companies off the hook. What are they doing to solve the problem?\n\nLaura Quinn: I spoke with Aremis\u2019 freshman Senator Edward Aemile, who finds himself in quite the tough political position on this. If you recall, Aremis only became a recognized planet with Senate representation a month after the attack. And it was actually Senator Aemile who, during the recognition ceremony, called for a vote to declare war on the Vanduul. It was a stirring speech, but one with severe consequences for Aremis that he didn\u2019t fully grasp.\n\nNow, Senator Aemile has been meeting with Senators to draft a bill that would release more disaster relief funds for Aremis \u2014 a tall task for a first-term Senator representing a planet that hasn\u2019t had a chance to establish its political weight.\n\nThanks for the insight, Laura. It\u2019s definitely an issue investors should keep an eye on going forward, due to how it could affect the rebuilding efforts on Aremis as well as how it could potentially change the way their own claims are handled as the war against the Vanduul continues \u2014 especially if the conflict expands into other systems.\n\nWhen Kaizen returns, we\u2019ll do a Market Breakdown and then talk with Jerome Jesop about Cestulus\u2019 bullish manufacturing sector. Can it maintain its momentum or is the bubble ready to burst? That, and more, after the break.\n\nEND TRANSMISSION","de_DE":"\u00dcBERTRAGUNG STARTEN:\nWillkommen bei Kaizen, Ihrem Reiseleiter durch den Sprungpunkt zur finanziellen Solvenz. Ich bin dein Gastgeber, Aaron Schere. Die heutige erste H\u00e4lfte der Messe setzt ihr fiskalisches Augenmerk auf Versicherungen. Mit vielen Dingen im Wandel um die UEE, besonders angesichts des andauernden Krieges mit der Vanduul, ver\u00e4ndert sich die Landschaft der Branche auf eine Weise, die Sie kennen sollten.\n\nDie Wertentwicklung in der Vergangenheit ist kein Indikator f\u00fcr zuk\u00fcnftige Ergebnisse. Weder Schere, Kaizen noch Farnes Media Partners garantieren ein bestimmtes Ergebnis oder einen bestimmten Gewinn. Bevor Sie nach Informationen in diesem Programm handeln, sollten Sie dringend erw\u00e4gen, Rat von Ihrem eigenen Finanz- oder Anlageberater einzuholen.\nBeginnen wir im Stanton-System. Die Schiffsversicherung ProtLife, eine Tochtergesellschaft der Stanton-eigenen MicroTech, hat einen neuen Service gestartet, der es Kunden, die ihr Schiff gestohlen oder zerst\u00f6rt haben, erm\u00f6glicht, den normalen Austauschprozess gegen eine Schutzgeb\u00fchr zu beschleunigen.\n\nErste Berichte deuten darauf hin, dass die Kunden gut auf den Service reagieren, insbesondere Einzelunternehmer und Spediteure - beides Schl\u00fcsselgruppen, deren wirtschaftliche Situation durch die Verz\u00f6gerungen und den b\u00fcrokratischen Aufwand, mit denen die meisten Schadensf\u00e4lle verbunden sind, negativ beeinflusst werden kann. Laut einem Insider sollten wir bei anhaltender positiver Resonanz des Programms davon ausgehen, dass der Service noch in diesem Jahr f\u00fcr alle ProtLife-Kunden verf\u00fcgbar sein wird.\n\nUnterdessen bef\u00fcrchtet ein Vertreter der IACA, einer Verbraucherorganisation, dass die Monetarisierung des schnellen Schiffsaustauschs nur Anreize f\u00fcr Versicherungsgesellschaften schafft, ihre Abs\u00e4tze auf Standardanspr\u00fcche zu verschieben, indem sie den Prozess auf ein Schneckentempo verlangsamt, um treue Kunden dazu zu bringen, f\u00fcr ihr Ersatzschiff zus\u00e4tzlich zu bezahlen. Doch trotz der Bedenken, Buzz baut sich unter anderen Versicherungsgesellschaften, und es gibt Ger\u00fcchte, dass konkurrierende Unternehmen \u00e4hnliche Dienstleistungen in Betracht ziehen.\n\nApropos Versicherung, kommen wir zu unserer Leitgeschichte. Es ist acht Monate her, seit der Angriff der Vandule auf Aremis stattgefunden hat, aber Schutt und br\u00f6ckelnde Geb\u00e4ude sind in einigen Teilen des Planeten immer noch ein h\u00e4ufiger Anblick. Letzte Woche hat die Journalistin der Aremis Post, Laura Quinn, in einem Artikel einen potenziellen T\u00e4ter hervorgehoben, den sie als Ursache des Problems bezeichnet. Laura kommt jetzt zu uns, um zu erkl\u00e4ren, was sie gefunden hat und wie es Aremis von einer wirtschaftlichen und emotionalen Erholung abhalten k\u00f6nnte.\n\nWillkommen, Laura.\n\nLaura Quinn: Danke, dass ich kommen durfte.\n\nSo haben Sie fast zwei Monate damit verbracht, diese Angelegenheit zu untersuchen und festgestellt, dass sich das Schicksal vieler Hausbesitzer ge\u00e4ndert hat, nachdem der Senat offiziell den Krieg gegen die Vanduul erkl\u00e4rt hat. Erkl\u00e4ren Sie unserem Publikum, wie sich diese Aktion auf den Wiederaufbau ausgewirkt hat.\n\nLaura Quinn: Meine Untersuchung ergab, dass Versicherungsgesellschaften die Anspr\u00fcche der Versicherungsnehmer verweigert haben, indem sie sich auf die \"Kriegsausschluss-Klausel\" beriefen, die in den meisten Hausratvertr\u00e4gen Standard ist.\n\nIm Wesentlichen, in dem Moment, in dem der UEE-Senat dem Vanduul offiziell den Krieg erkl\u00e4rte, wurden die Versicherungsgesellschaften von jeglicher Verantwortung befreit, diese Anspr\u00fcche zu bezahlen, so dass viele Bewohner von Aremis w\u00fctend und unsicher waren, wie sie ihr Leben ohne die Hilfe, die sie erwarteten, wieder zusammensetzen konnten.\n\nIn Ihrer Geschichte haben Sie mit Garret Wong, einem Vertreter der Insurance Trade Alliance, gesprochen, der die Position entschieden verteidigt hat. Wie rechtfertigte er sein Argument?\n\nLaura Quinn: Herr Wong erkl\u00e4rte, dass die Kriegsausschluss-Klausel ein wesentlicher Bestandteil der Hausratversicherung sei und dies seit Jahrhunderten sei. Ohne sie w\u00fcrden Versicherungsgesellschaften in die Insolvenz gehen und Welten wieder aufbauen, die vom Krieg verw\u00fcstet wurden. Die Angst, an einer solchen Belastung festzuhalten, w\u00fcrde die Versicherungsunternehmen dazu veranlassen, Dienstleistungen f\u00fcr jedes System zu verweigern, das m\u00f6glicherweise unter Beschuss geraten k\u00f6nnte.\n\nWenn also die Richtlinien des normalen Hausbesitzers Hausbesitzer, die alles durch einen Kriegsakt verlieren, nicht entsch\u00e4digen, was sollten die Verbraucher in den Vanduul-Grenzsystemen tun?\n\nLaura Quinn: Nun, Herr Wong hat schnell darauf hingewiesen, dass Vanduul-Angriffe keine nicht versicherbaren Ereignisse sind, sondern nur, dass sie nicht durch die normale Hausratversicherung abgedeckt sind. Wenn sie es w\u00e4ren, argumentierte er, w\u00fcrde es bedeuten, dass die Pr\u00e4mien im gesamten Reich erh\u00f6ht w\u00fcrden.\n\nAls Beispiel erkl\u00e4rte er, wie ein Hausbesitzer in Angeli neben der Hausratversicherung auch eine Erdbebenversicherung ben\u00f6tigt, um vollst\u00e4ndig gesch\u00fctzt zu sein. Erdbeben sind ein nat\u00fcrliches Risiko f\u00fcr Angeli, und Versicherungsgesellschaften bitten die Versicherungsnehmer auf Green nicht, diese Kosten zu tragen. Das gleiche Denken gilt f\u00fcr jeden, der in einem System lebt, das an das Gebiet von Vanduul grenzt. Sie stellt eine standortspezifische Bedrohung dar und sollte daher separat versichert werden.\n\nTats\u00e4chlich empfahl Herr Wong jedem Versicherungsnehmer, der in einem System in der N\u00e4he der Vanduul-Front lebt, sich an seinen lokalen Versicherungsagenten zu wenden, um Optionen zu besprechen, die ihm den richtigen Schutz bieten.\n\nDer Senat tr\u00e4gt in dieser Angelegenheit eine gewisse Verantwortung. Schlie\u00dflich war es ihre Kriegserkl\u00e4rung, die die Versicherungsgesellschaften vom Haken lie\u00df. Was tun sie, um das Problem zu l\u00f6sen?\n\nLaura Quinn: Ich habe mit Aremis' Erstsemester Senator Edward Aemile gesprochen, der sich in einer ziemlich schwierigen politischen Position befindet. Wenn Sie sich erinnern, wurde Aremis erst einen Monat nach dem Angriff zu einem anerkannten Planeten mit Senatsvertretung. Und es war eigentlich Senator Aemile, der w\u00e4hrend der Anerkennungszeremonie zu einer Abstimmung aufrief, um den Vanduul den Krieg zu erkl\u00e4ren. Es war eine bewegende Rede, aber eine mit schwerwiegenden Folgen f\u00fcr Aremis, die er nicht ganz begriff.\n\nJetzt ist Senator Aemile mit Senatoren zusammengetroffen, um eine Rechnung zu entwerfen, die mehr Katastrophenhilfsmittel f\u00fcr Aremis freigeben w\u00fcrde - eine gro\u00dfe Aufgabe f\u00fcr einen Erstaussensenator, der einen Planeten darstellt, der nicht eine Wahrscheinlichkeit gehabt hat, sein politisches Gewicht herzustellen.\n\nDanke f\u00fcr die Einsicht, Laura. Es ist definitiv ein Thema, das Investoren im Auge behalten sollten, da es die Wiederaufbauarbeiten auf Aremis beeinflussen k\u00f6nnte und auch die Art und Weise, wie mit ihren eigenen Anspr\u00fcchen umgegangen wird, wenn der Krieg gegen die Vanduul weitergeht - vor allem, wenn der Konflikt auf andere Systeme ausgedehnt wird.\n\nWenn Kaizen zur\u00fcckkehrt, werden wir eine Marktanalyse durchf\u00fchren und dann mit Jerome Jesop \u00fcber den bullischen Produktionssektor von Cestulus sprechen. Kann es seinen Schwung beibehalten oder ist die Blase bereit zu platzen? Das und noch mehr, nach der Pause.\n\nEND\u00dcBERTRAGUNG","zh_CN":"START TRANSMISSION:\nWelcome to Kaizen, your guide through the jump point to financial solvency. I am your host, Aaron Schere. Today\u2019s top half of the show sets its fiscal eye on insurance. With many things in flux around the UEE, especially given the on-going war with the Vanduul, the industry\u2019s landscape is shifting in ways you should know.\n\nPast performance is not indicative of future results. Neither Schere, Kaizen nor Farnes Media Partners guarantees any specific outcome or profit. Before acting on information in this program, you should strongly consider seeking advice from your own financial or investment adviser.\nLet\u2019s start in the Stanton System. Ship insurance company ProtLife, a subsidiary of Stanton\u2019s own MicroTech, has kicked off a new service allowing customers who have had their ship stolen or destroyed to accelerate the normal replacement process, for a nominal fee.\n\nEarly reports indicate that customers are responding well to the service, particularly single-ship owners and haulers \u2014 both key groups whose economic situation can be adversely affected by the delays and red tape that accompany most claims. According to an insider, if the program\u2019s positive response continues, we should expect the service to become available to all ProtLife customers within the year.\n\nMeanwhile, a representative from the IACA, a consumer advocacy organization, worries that monetizing the rapid replacement of ships only incentivizes insurance companies to drag their heels on standard claims, slowing the process to a snail\u2019s pace to push loyal customers into paying extra for their replacement ship. Yet despite the concerns, buzz is building among other insurance companies, and there are rumors rival companies are considering similar services.\n\nSpeaking of insurance, let\u2019s move on to our lead story. It\u2019s been eight months since the Vanduul attack on Aremis, but rubble and crumbling buildings are still a common sight in certain parts of the planet. Last week, an article by Aremis Post journalist Laura Quinn highlighted a potential culprit that she attributes as the cause of the problem. Laura joins us now to explain what she found, and how it might be holding back Aremis from both an economic and an emotional recovery.\n\nWelcome, Laura.\n\nLaura Quinn: Thanks for having me.\n\nSo you\u2019ve spent nearly two months investigating this issue and found that the fate of many homeowners changed once the Senate officially declared war against the Vanduul. Explain to our audience how this action has affected the rebuilding effort.\n\nLaura Quinn: My investigation uncovered that insurance companies have been denying policyholders\u2019 claims by invoking the \u2018war exclusion clause\u2019 that\u2019s standard in most homeowner\u2019s policies.\n\nIn essence, the moment the UEE Senate officially declared war on the Vanduul, insurance companies were released from any responsibility to pay those claims, leaving many Aremis residents angry and unsure how they could put their lives back together without the help they expected.\n\nIn your story, you spoke to Garret Wong, a representative from the Insurance Trade Alliance, who vigorously defended the position. How did he justify his argument?\n\nLaura Quinn: Mr. Wong stated that the war exclusion clause was an essential part of homeowner\u2019s insurance and had been so for centuries. Without it, insurance companies would go insolvent rebuilding worlds ravaged by war. The fear of being stuck with such a burden would lead insurance companies to deny services to any system that could potentially come under attack.\n\nSo if normal homeowner\u2019s policies don\u2019t indemnify homeowners that lose everything due to an act of war, what should consumers in Vanduul border systems do?\n\nLaura Quinn: Well, Mr. Wong was quick to point out that Vanduul attacks are not uninsurable events, only that they are not covered by standard homeowner\u2019s insurance. If they were, he argued, it would mean increased policy premiums across the Empire.\n\nAs an example, he explained how a homeowner in Angeli needs earthquake insurance in addition to homeowner\u2019s insurance to be fully protected. Earthquakes are a natural risk specific to Angeli, and insurance companies don\u2019t ask policyholders on Green to help shoulder that cost. The same thinking applies to anyone living in a system that borders Vanduul territory. It creates a threat specific to that location and should be insured separately because of it.\n\nIn fact, Mr. Wong recommended any policyholder living in a system near the Vanduul front should contact their local insurance agent to discuss options that provide them the proper protection.\n\nThe Senate bears some responsibility in this matter. After all, it was their declaration of war that let the insurance companies off the hook. What are they doing to solve the problem?\n\nLaura Quinn: I spoke with Aremis\u2019 freshman Senator Edward Aemile, who finds himself in quite the tough political position on this. If you recall, Aremis only became a recognized planet with Senate representation a month after the attack. And it was actually Senator Aemile who, during the recognition ceremony, called for a vote to declare war on the Vanduul. It was a stirring speech, but one with severe consequences for Aremis that he didn\u2019t fully grasp.\n\nNow, Senator Aemile has been meeting with Senators to draft a bill that would release more disaster relief funds for Aremis \u2014 a tall task for a first-term Senator representing a planet that hasn\u2019t had a chance to establish its political weight.\n\nThanks for the insight, Laura. It\u2019s definitely an issue investors should keep an eye on going forward, due to how it could affect the rebuilding efforts on Aremis as well as how it could potentially change the way their own claims are handled as the war against the Vanduul continues \u2014 especially if the conflict expands into other systems.\n\nWhen Kaizen returns, we\u2019ll do a Market Breakdown and then talk with Jerome Jesop about Cestulus\u2019 bullish manufacturing sector. Can it maintain its momentum or is the bubble ready to burst? That, and more, after the break.\n\nEND TRANSMISSION"},"links_count":0,"comment_count":90,"created_at":"2016-06-08T00:00:00+00:00","created_at_human":"9 years ago"},"meta":{"processed_at":"2026-05-08 00:49:06","valid_relations":["images","links"],"prev_id":15368,"next_id":15371}}