Last in Translation! Not since the award-winning "Origins of the Oxford Dictionary of the English Language" has a film had the potential to rock the normally placid insurance world! (Sure, "Black's Law Dictionary: Obfuscation or Ambiguity" opened well, but that was only in three theaters near Boston.) "Last," all agree, is the insurance movie with the best chance of breaking out of the small, traditional audience of coverage analysts. This one, critics feel, finally may also attract coverage wonks, adjusters and risk managers for offshore captives. A tall order, but to this reviewer's eye, the hype may be hip!

Bill Murray has the role of his life as an ISO forms drafter. Alienated and adrift after his "intermediate tail, designated location/operation limited pollutant coverage laser beam endorsement" fails to reignite demand for the claims-made CGL, Bill drifts aimlessly into a regional insurer's personal-lines department, where he meets a young, attractive legal counsel who is struggling with the meaning of "public or livery conveyance" and exactly why that term doesn't include a share-the-expense car pool.  Soon their odd yet symbiotic relationship deepens as together they explore the impact of revising the intentional acts exclusion in the homeowners policy, the subtleties inherent in redrafting the PAP's electronic equipment provisions, and the ramifications of moving mobile equipment subject to licensing and auto laws from the CGL to the BAP.  ("Except, of course, for physical damage to the equipment," she laughs, bringing yet another enigmatic smile to Bill's somber visage. He loves to see her laugh, especially when it involves a CGL.)  Alas, the relationship ends badly, as he cannot let go of his obsession with reforming and clarifying the coverage in ISO's new crime forms, and she finally leaves to find true love in the arms of an inland marine forms drafter at AAIS.