In my novel, Anarchy in New England, many competing security companies exist to bring crime insurance, street patrols, and criminal investigation to consumers. One such company is Atlas Protection, and this is how I imagine their security contract to look. (I have kept it short and basic; in reality a security contract would read much more in depth, including specific definitions and intricacies of each crime, with much more detail etc.).
Atlas Protection Security Fulfillment
Thank you for choosing Atlas Protection for all of your security needs. If you have purchased crime insurance in a bundle through our partners, Atlantic Insurance or Coastal Insurance, welcome, we appreciate your business.
The Section Your Coverage below will explain what Atlas Protection will provide and protect you against. The Stipulations section will review any actions that would cause us to drop coverage in the event an injured party seeks damages.
Atlas Protection investigates most criminal complaints, however we also partner with Cape Cod Criminology Labs for forensic testing. While we do provide patrols in some areas, those further from our offices will have patrols fulfilled by Northern Watch or Mountain Rangers, depending on your location. Atlas Protection is proud to work in collaboration with New England Security Agency, Corner Cop Security, and Minuteman Arms, among others, to ensure the closest security personnel will always respond in cases of emergency.
Atlas Protection retains Hudson Arbitration to settle disputes with other security companies. We advise customers that although we can appeal decisions made by arbitration, the final results are legally binding and may result in the cancellation of coverage if you are found guilty of a crime, or dismissal of charges if a suspected assailant is found innocent of victimizing you. If you wish to purchase accusation insurance for Atlas Protection to continue to represent you in the event of a conviction, please talk to your Atlas Protection representative.
If you have purchased a Gold account with us, you are covered for daily patrols, and theft protection of up to $10,000. If you have purchased a business account, please speak to your representative if you have questions about the amount and time of patrols, and area to be patrolled. Your representative will also be able to answer any questions about how much theft protection will be included in your plan.
We strive to accurately investigate, and bring assailants to justice, in order to recover the losses you sustain. It is our guarantee that if we do not bring the perpetrator to justice within one year of a complaint, Atlas Protection will pay out a settlement in accordance to the crime. All of our policies will always cover emergency response–including health emergencies and fires–, investigation, and prosecution to protect you against the following crimes:
- Assault on your person, a family member, or anyone you are consorting with, whether on someone else’s property or your own.
- Theft of your property, including items on your person or at home, but not including items left on property that is not your own, unless you were deceived into parting with said property.
- Serious threats on your life or property.
- Trespassing, breaking and entering, home invasion, and forced entry.
- Murder, rape, and attempted murder/ rape of you, a family member, or cohort. In cases where the policy holder is murdered, the policy will stay active through the investigation and prosecution, at which time the next of kin will be given the option of continuing coverage. If you have purchased life insurance through our affiliates, this will be paid immediately, and not in accordance with any investigation, except in cases of suspected suicide or fraudulent death claims.
- All other crimes which violate self ownership, and all rights which stem from self ownership. All crimes of aggression, but not defensive action (in cases where policy holder attempts to injure another).
Stipulations: Your Responsibility
I: In addition to protection from crime, Atlas Protection also advocates for you in the event you are accused of a crime.
All crimes and actions which this policy protects against may not be engaged in by the policy holder. In cases when a policy holder commits a crime, including but not limited to assault, theft, trespassing, murder etc., protection will be subject to cancellation after investigations by Atlas Protection and any other security agency have been completed, submitted, and reviewed by Hudson Arbitration and/or another third party arbiter who finds the policy holder guilty.
In such cases Atlas Protection will continue to act as defense in sentencing in order to assure fair treatment, but will yield to arbitration’s final recommendation. It is at Atlas Protection’s sole discretion whether or not coverage will continue after the verdict, and if found guilty, the policy holder may be subject to a surcharge and price increase if you wish to continue your coverage.
Security coverage will never be dropped because of an accusation alone. Though we retain the right to cancel policies in the event of conviction, up until that point, Atlas Protection will represent you against individuals, companies, and other security agencies who accuse you of a crime.
II: In cases where security personal with a valid warrant signed by a third party arbiter seek access to your home, you must allow them inside, in accordance with the warrant. They must however (1) present the warrant, (2) identify themselves, and (3) wait for a representative from our office to validate the agents’ identity as well as the warrant. Without those three steps, you are under no obligation to comply with any security personnel at your home, and Atlas Protection will prosecute the perpetrators if they force entry.
By signing this contract, you agree not to engage in the prohibited violations of others’ rights, and agree that coverage is null and void if you are found guilty after investigation and arbitration has completed.