Santa Claus isn't so jolly whenever he hears his latest insurance claim has been denied. (Thinkstock)

To an outsider it seems like a simple operation. Not to mention astonishing. Do no advertising. Orders flood in from around the globe. Be loved by everyone. And work just one month out of the year.

But the truth is that Santa Claus’s operation is much more complicated and not always so jolly. The amount of things that can, and do, go wrong is legion. Few know this but the bearded one has an insurance program as complex as that of a drug manufacturer.

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