Michael and Michael, third generation underwriters, are the best at preparing for the worst.

Old school sales meets high tech, as The Michaels educate and protect their clients... and make a decent buck in the process.



In each episode, The Michaels —
  • Confront Big Personalities
    From wiseguys to real housewives, the clients share one trait — overconfidence. The Michaels must protect them... but it won't happen without a fight.

  • Solve Problems
    Whether starting a restaurant or receiving a medical diagnosis, The Michaels have been there before. That experience allows them to troubleshoot any challenge... business or personal.

  • Drop Science
    With plain talk and stylish graphics, The Michaels reveal the numbers that define our world... and how to profit from them.

The sizzle features three stories that could comprise a full episode:
      A: Co-Op Board President
The penthouse apartment owner wants a wood-burning stove... but not the expense of installing it to code. The Michaels are about to lose the building account until – A-ha! – they are able to visualize for her the hidden costs of rogue construction.

B: Catastrophe Relationship
The Michaels plan to broker an agreement among factory owners, to provide protection in the case of emergency. The only catch? The competitors are sworn enemies.

C: Hurricane Sandy Claim
It's not all about selling - when worst case scenarios comes true, The Michaels are there to inspect the damage, supervise the rebuild, and provide practical advice. 		   

Everything can be insured — providing a diversity of possible segments — here are some examples:

GOING PRO
A college basketball star is torn between entering the NBA draft and completing school. He wants to get his degree but, should he get injured, his career will end before it begins. A loss-of-value policy could be worth millions.





   FROM POP-UP TO SIT-DOWN
A pop-up restauranteur has made a splash with guerilla events – but now he is struggling to open a permanent space. Can he maintain his edge while meeting the demands of the Board of Health?

   DIAMONDS ARE FOR VETTING
A wedding ring is brought in to be insured and the appraisal reveals that it's not a five carat stone... not even a four. It's a two carat stone and now The Michaels have to break the bad news.


  BREAKING AND SUING
A simple burglary claim turns very strange... when the robber sues the homeowners, for injuries incurred during the theft.
  LOWEST HOUSE ON THE STREET
A sewage backup floods a home with sewage. When the claim gets denied (the homeowner's policy doesn't protect them against the city's negligence), The Michaels clean up the mess.
GOLDEN CORDS
A musician's instrument can hold tremendous sentimental value... but is ultimately replaceable. That is not true of a singer's voice – and those precious vocal cords need to be protected.

   THE CIRCUS COMES TO TOWN
Lions and tigers and bears... oh my. Take a zoo, put it on the road, and throw in acrobats – and you've got a three ring insurance nightmare. The Michaels juggle the issues... despite a lifelong aversion to clowns.

   WHEN THE PARENTS ARE AWAY
Every parent's nightmare, a party held while they're out of town results in underage kids getting hurt. The Michaels are there to pick up the pieces... and provide preventive advice.
WEDDING PLANNER
It's the most special day of their lives and nothing can go wrong... and every client feels that way. The Michaels cover every angle – venue, weather, runaway brides – for that special day when Act of God is no excuse.

   TATTOO YOU
When the canvas is flesh, and the art hangs for the rest of your life, there's no room for error. Once the basics of healthy safety are covered, The Michaels tackle the trifecta of inebriated, underage, and regretful.

   FENDER BENDER FRAUD
A small car accident suddenly becomes a claim of bodily injury. Using photos, The Michaels are able to recreate the accident and demonstrate that the 'victims' damaged their own vehicle in pursuit of a payout.
CONSENTING ADULTS
An S&M club poses a variety of challenges for insurers. If someone is injured on the premises, or at home by someone they met at the venue, the club can be found guilty of gross negligence or willful misconduct. The Michaels untangle the issues when extreme is the goal.


   KEEP ON (FOOD) TRUCKIN'
When your restaurant is on wheels, your commercial vehicle is also a retail space. The Michaels dispel the myths surrounding food trucks and help optimize the financials, to make this business a rolling sensation.




   SORORITY HOUSE
The Michaels are anticipating a simple home visit but find themselves, at Kappa Sigma Nu, way out of their element. Both dorm and mess hall and franchise... each of their questions is answered by a gaggle of sisters. Let the hazing begin!
UNEXPECTED DIAGNOSIS
A first time Father-To-Be is convinced to get a life insurance policy... and discovers a pre-existing condition. The Michaels are there to talk him through the implications and planning, for both him and his family.

   AND... ACTION
Before the cameras roll, a film production must navigate treacherous financial waters. From gap financing through errors and omissions, The Michaels take you behind-the-scenes to the high stakes gamble of show business.

   HOME BIRTH
While more parents are pursuing the intimacy of a home birth, it is essential that the experience have the safety and rigor of a hospital setting. The Michaels work with a midwife to meet the standards for liability insurance.
STRIKE!
A wildcat strike, unauthorized by the employees' union, is the most vulnerable of movements. There's no hope of success unless the strikers can be protected – from violence, from retaliation firings, and from internal squabbles.

  

THE BET
Work side-by-side long enough, and you'll become convinced that you can do your partner's job. To win a wager, The Mouth and The Brain swap roles... spoiler alert: the only winner is the audience.