Underwriting at an insurance broker

When my boss first explained wedding insurance to me, I was like, "dude, don't those rich son of a bitches have anything better to spend their money on?" It doesn't even insure against change of heart.
Nonetheless, the point is this- most people buy it because the luxurious halls, museums, hotels, restaurants, etc. where the reception is held, will most likely require the host of the wedding to purchase 500,000-2,000,000 liability insurance. The presence of alcohol is the root of the evils, but i digress.
So if you know me at all, then you won't be surprised by the endless stream of ridiculous questions I asked. The answers usually baffled or angered me. For instance, I asked why the insurance doesn't end until 2 days after the event. If the event is over, why does the insurance continue? Well, apparently guests of the event can sue the host or the establishment for these idiotic things. 1) Getting wasted, driving drunk, injuring another person or car. The other person suing the establishment which furnished the alcohol to the said person. Let's forget about the thing called personal responsibility. That's what's wrong with everything i hate. 2) Getting poisoned by the food, but not realizing it until the next day. If sued, the insurance will still be around.
OKAY, so what underwriting entails is as follows: 1) Checking over the applications to make sure the layman has filled it out correctly 2) Issuing insurance policies based on the approval of the application 3) A bunch of correspondence and Mumbo Jumbo, like faxing confirmations, issuing Certificates of Liability, etc. 4) Making copies and folders galore for these files 5)Mailing 6) Filing 7) Answering questions and calls.

Alright. So now that you know how the job works, step two requires the natural progressions of Roni's inner thoughts. IF, and only IF, one would want to do illegal activities....my god, how easy it would be....credit card numbers flying around like confetti, verification codes as tempting as frosting on a cake, and the guts to make all my dreams come true? Well, nowhere...i am as innocent as a billy goat chewing on a can. In a field. by some hillybilly's skeleton of a car.