A long time ago, in an underwriter's office far, far away...

Competitive public liability brokers, striking from a hidden office, had won their first victory against the evil, corporate law offices. Ruled under the tyrannical Garth Trader, the law firms sought a means to prevent the good people of the SME world from protecting their assets from would-be suers. The law firms, who desired only money and power over others, continually attempted to thwart the good deeds of the brokers, who cared only for protecting others from unfair claims. Thankfully, just as all seemed lost, the brokers successfully drafted plans for a new, secret weapon - a policy document that would strike fear into the hearts of lesser law firms: the public liability insurance document.

Unbeknownst to the evil law firms, the benign brokers also had knowledge of a magical force; one that binds and surrounds the universe with the power to bring all future claims to an amicable settlement: The Clause.

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The Clause, which could be used for both good and evil deeds, was a powerful force indeed. Thankfully, the friendly brokers only employed the light side of the Clause in order to bring balance to small to medium-sized enterprises. But there was one underwriter who could bend The Clause more so than any other, and his name was Duke Wry-Chalker.

Wry-Chalker could draft policy documents like no other in the underwriter's office. Even from a very early age, his knowledge of The Clause was unlike any other insurer in the private sector. Seeing promise in the young underwriter, the evil Garth Trader attempted to subvert Wry-Chalker by having him turn against the good brokers. With such destructive power, Trader would effectively be unstoppable. In an epic battle of wits and T&Cs (a battle far too lengthy to fit into mere paragraphs), Wry-Chalker finally emerged victorious, following a long and arduous battle with his light labour team (they worked part-time). The friendly brokers secured the future protection of businesses, thanks to the efforts of Wry-Chalker and his knowledge of The Clause.

With the evil Garth Trader finally subdued, the dastardly law firms had no option but to surrender to the public liability insurance brokers.

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