Mutual Occult Insurance

Thank you for joining Mutual Occult Insurance, the nation’s only carrier for damages of unexplained origin. Your assignment as a field agent is simple to state and harder to complete: attend the loss site, assess the claim, and determine what is actually responsible. Fire. Flooding. Vandalism. Accidents happen. So does fraud. Remember the company motto: if the impossible is responsible, we’ve got it covered.

Find out what really happened

Every claim is a new case file. You will be dispatched across 1980s America, from suburban homes to video rental stores. The premises will look familiar. Do not rely on it: rooms and their contents may change between claims.

Interview the insured. Interview the witness. Their accounts will not always agree, and neither will always agree with the statement already on file. Walk the property and verify the declared goods line by line: what was lost, what was damaged, what was destroyed, and what is simply in a drawer upstairs.

Some claims are exactly what they say they are. Some were arranged by a person who expected nobody to check. You are the person who checks.

Four agents, four specialties

One questions the insured and the witness. One scans the declared goods. One rules the paranormal in or out. One keeps the team alive.

Everything goes into the shared claim report. An agent who loses control becomes the next threat

Approve or deny

The team renders the final determination: insurance fraud, or a genuine supernatural incident. There is no third option and no partial credit.

Settlement is credited to your branch and may be reinvested in improved equipment and headquarters for the claims ahead. Get it wrong and you have paid out on a lie, or refused a family whose house really is finished.

Multiplayer horror and satire

Face the horrors of the decade through the wonderfully outdated bureaucracy of an American insurance carrier. A close team comes apart quickly once survival is at stake. Take the lead, calm the agents who are losing their sanity, or route the responsible entity toward them and preserve yourself. Should that prove unexpectedly effective, rest assured: deceased agents remain available to assist.

A properly filed claim report is worth a few casualties.