Offices of the Greater Halcyon Insurance Group

The  **Offices of the Greater Halcyon Insurance Group** is a location in Fallbrook.

## Background

The offices of the Greater Halcyon Insurance Group are marketed as the premier provider of life and disaster-related insurance policies, although the insurance does not cover incidents resulting from negligence, criminal activity, or dullness of mind. The insurance policies the insurance group provides insurance and coverage for various situations, such as unusually expressive eyebrows, outrageous statements, disastrous marriages, dismemberment policies, sudden lunar implosions, and "accidentally torn into tiny fragments" coverage.

The offices are an official enclave of Byzantium and its services only affect the inhabitants of that city. The reason is that, while corporations are legally prohibited from operating in Monarch after the Hazard Clause, it is financially expensive to maintain a business on Byzantium. So while the office address is in the city, large operations are resolved in Fallbrook, avoiding the Byzantium taxes, kickbacks, and fines, as well as garnering business from the SubLight Salvage and Shipping Corporation.

## Layout

This two-story building is located on the main street of Fallbrook.

At the building entrance on the ground floor is a shopfront for the Greater Halcyon Insurance Group, staffed by a Greater Halcyon Insurance Group Agent, ready and willing to sell the company's products. There is an employee break room with a desk and kitchen behind the shopfront. The ground floor also contains a C&P's Fundable Edibles Vending Machine.

A set of stairs leads to the upper floor which contains a Terminal, a balcony, and a bathroom.

## References

1. ↑ Greater Halcyon Insurance Group Agent: *"Welcome to the offices of the Greater Halcyon Insurance Group, Halcyon's premier provider of life and disaster-related insurance! I'm obligated to inform you that our coverage does not extend to incidents deemed to result from negligence, criminal activity, or dullness of mind."*
2. ↑ The Stranger: *"What else can you tell me about your insurance policies?"*
Greater Halcyon Insurance Group Agent: *"Plenty! As my boss likes to say, there's a policy for every situation and an exclusion for every policy. We've insured unusually expressive eyebrows, outrageous statements, disastrous marriages..."*
3. ↑ The Stranger: *"Who gets their eyebrows insured?"*
Greater Halcyon Insurance Group Agent: *"Usually character actors. Or corporate execs with menacing stares."*
4. ↑ The Stranger: *"Who would get an outrageous statement insured?"*
Greater Halcyon Insurance Group Agent: *"That policy is almost exclusively for our corporate clientele. In the unlikely event they make a claim about a product that turns out to be less than accurate, they need some kind of protection against the damage to their sales and reputation."*
5. ↑ The Stranger: *"Disastrous marriages?"*
Greater Halcyon Insurance Group Agent: *"Those are mostly for top-rungers in Byzantium who have a lot of social and financial capital wrapped up in their marriage contracts. There's one for your beloved eloping with your sibling, your beloved eloping with THEIR sibling, scandalous rumors forcing you apart, the revelation of a secret love child... We try to cover every possible hazard to domestic bliss."*
6. ↑ Greater Halcyon Insurance Group Agent: *"So! What kind of insurance package can I interest you in? We're running a special on dismemberment policies - buy one, get one half off!"*
7. ↑ The Stranger: *"That's all I needed to know."*
Greater Halcyon Insurance Group Agent: *"One thing's for sure - you won't find better policy protection against sudden lunar implosions anywhere in Halcyon!"*
8. ↑ Greater Halcyon Insurance Group Agent: *"I see you're still in one piece. However, you never know when that could change - consider our "accidentally torn into tiny fragments" coverage. Note that all of your fragments must be recovered and must be smaller than a standard bit cartridge for the payouts to kick in."*
9. ↑ The Stranger: *"Why is your office on Monarch?"*
Greater Halcyon Insurance Group Agent: *"We're not on Monarch. For all practical and tax-related purposes, this office is an official enclave of Byzantium."*
10. ↑ The Stranger: *"Huh? Why?"*
Greater Halcyon Insurance Group Agent: *"Legally speaking, corporations are not allowed to operate on Monarch. But financially speaking, there are certain costs to running a business from within Byzantium's walls. So while our official address is in the city - and while our office here is technically and extension of that address - we've found it more expedient to conduct our key operations here. So we can... what's the phrase? "Pass savings to the consumer," of course."*
11. ↑ The Stranger: *"So you're dodging the authorities."*
Greater Halcyon Insurance Group Agent: *"We prefer to think of it as "chasing the savings." Turns out that not having to pay kickbacks, fines, and rent in the most expensive city in Halcyon improves our liquidity. Plus, SubLight keeps this place running remarkably well. And they sure drive business our direction!"*