Dear Doctor Monstrosity,

This is an important notice regarding your Hero liability coverage in your FOUL Insurance Policy. You must read this document immediately and in its entirety, or our coven of witches currently on retainer will place a hex upon you that will result in you no longer being able to absorb fluid without vomiting, which means a painful and grotesque death by dehydration will await you. Feel free to take notes. Please eat the message when you are done, as that will guard against the curse. As usual, please understand this is meant as a safety measure to ensure your privacy, our privacy, and the privacy of our other customers.

Notification of Policy Change

As of this writing, FOUL will no longer cover the costs of heroic interventions against your operation that are perpetrated by orphans of your former enemies.

Furthermore, any pre-existing coverage offered for orphans created by accident or negligence are likewise null and void.

FOUL will also be increasing premiums by 50% on any liability coverage for heroic acts of revenge stemming from the loss of even ONE parent to your actions.

Finally, FOUL will disallow any further coverage against liability as a result of actions by those persons who believed they were orphans until they discovered you were, in fact, their only surviving parent.

Statistics have shown that those who have left the progeny of their foes to live have a 65% greater chance of being undone by those self-same offspring, even after an intervening period of apparent calm for decades. It seems apparent that the loss of parents is in some way traumatic (we are as surprised as you) and stands to create a kind of manic obsession with revenge which has proven costly. The claims FOUL has been forced to bear as a result of our clients’ own sloppiness has seriously tested our financial security as an organization.

So, some quick do’s and don’ts:

-DO NOT abandon your enemies’ offspring in a wasteland or in the midst of a storm and expect them to perish.

This ends poorly.

-DO NOT expect the power of love to crumble before your overwhelming might and grandeur.

Statistics prove that Love Conquers All, and we don’t cover it.

-DO NOT, under any circumstances, sell your victims’ progeny into slavery of any kind.

We know this is an excellent financial opportunity for you, but trust us that it never works out.

-DO NOT gloat over the child of an enemy or underling or endeavor to teach them any kind of lesson whatsoever.

They have a tendency to remember your face.

-DO encourage your underlings to bring any and all errant children to you for re-education.

Though try not to electrocute them in front of their parents.

We at FOUL are happy to serve you for any of your evil financial needs and hope to do business with you in the future. Just try not to create orphans anymore.