Even Ghostbusters can get insurance

[beatrice_otter]

I did not know that even "paranormal researchers" in today's world can get insurance for supernatural causes.  (Of course, what I want to know is, if you have an insurance policy against demonic possession and you live in a world in which no credible authority believes demons exist, or at least even the ones like some churches that believe in them can't prove them, if you are possessed, how do you file a claim and expect the insurer to actually pay out?)

Now I want a story about supernatural insurance in the world of, say, Teen Wolf.  Or any other modern fantasy series, really.