A klutzy middle-aged man in a white suit who wreaks havoc throughout the night personifies “risk.” He knocks part of a statue off a building, thus crushing a car parked below. He sits atop a city bus, and then flings a banana peel. He overflows rest-room sinks, causing water to cascade down stairwells. “Risk never sleeps. Make sure your insurance keeps up. Travelers. Insurance in-synch.”