Er, the action's down there, mate

Capacity is strained and underwriters are pulling out all the stops to spread what little they have as widely as possible.
News reaches Backchat of a remarkable policy offered by one underwriter. When asked to generate a quote for a mining operation, he decided only the above-ground operations could be covered - underground was a risk too far.
The client's reaction to the proposal is not yet known, but he may feel the underwriter should have concentrated on actually covering the
revenue-generating bit underground...