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Another Monday Morning

"Sure," you reply. You always wanted a commemorative teaspoon; now is the perfect time to start a collection.
"Would you like insurance for this spoon?" asks the salesman, rummaging through his suitcase. "We have a special deal on spoon elephant theft damage insurance. In the event that your spoon is stolen and damaged by an elephant during an invasion of your home, you will recieve up to $150,000.00 in damages. This is a once in a lifetime opportunity! Whaddaya say, ol boy?"
You try to decline, but the salesman persists. It is clear that he will not leave until you acquiesce to his demands. Grudgingly, you accept his offer, and sign the paper he hands you. By now, all you want is to be rid of this pest.