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- 12/15/2025
Insuring Christmas: Santas Sleigh
Can you add a sleigh to a car policy? Nope!
I'll bet that policy is interesting!
Nicholas Springer
Powered by 8-9 magical reindeer and capable of probable warp speed, all while transporting billions of presents, Santa’s Sleigh is a wonder of modern Imagineering.
As an insurance agent, my mind obviously tangents to the Sleigh’s insurance policy. Obviously.
What happens if the sleigh hits something? Gets stolen? Or just needs a tow. I’ll bet the insurance policy for that beast of a ride is pretty amazing, at least to an insurance agent it is!
How about this hypothetical: Maybe Santa is coming in a bit low and clips the edge of a roof and damages one of the sleds?
So collision would pay for the sleigh’s repairs, but what about the roof that was damaged? That’s liability - I wonder what the minimum limits are at the north pole? I’m guessing he has really high limits though… I‘ll bet he has a huge umbrella policy because he seems like a very prudent sleigh driver.
Another hypothetical: Santa comes back up the chimney only to notice the sleigh is gone!
Theft can be covered under Comprehensive or comp for short. Did you know that rental can pay for a substitute sleigh while the North Pole police try to find the Sleigh, at least up until the 30th day because that’s when the Insurance company deems it a total loss and the Actual Cash Value of the sleigh get paid to Santa.
My brain hurts trying to think about that situation… rental for a sleigh on Christmas eve? I don’t think Enterprise stocks those.
What about the toys?
Unfortunately, they are not going to be insured on the sleigh’s policy. Santa would have had to have had a separate policy for the cargo.I wonder who insures Santa? We represent lots of well-known companies and none of them do.. or at least they aren’t telling us…
Nick Springer, current President and CEO of Springer Insurance, joined the agency in 2000. From CSR to telemarketer, Associate Agent, Vice President and now President, Nick worked every possible job in the agency, including janitor while he was in middle school two nights a week!
After taking over for Reta, who retired in 2018, Nick and his wife Shannon have grown the agency to four locations and recently moved the Home Office to a new office condo, still in Midlothian. Over his many years, Nick has attained the designation of a Certified Authority on Workers Compensation (CAWC) and most recently the coveted Certified Insurance Counseller (CIC) designation.
Nick is now heading up the new Springer Private Client Division geared to High Net Worth clients.
