Insuranoia is the quiet anxiety people feel long before they ever file a claim; the brace-for-impact mindset rooted in the belief that their insurance company won’t have their back when it matters most. It’s why people overprepare, overprotect, and go to extreme lengths to avoid ever having to call their insurer. NJM’s new campaign doesn’t dance around that truth; rather, it confronts it head-on.

In “Laser Beam,” Insuranoia escalates inside the home, where a woman has transformed her house into an elaborate laser-grid security system, maneuvering through it with precision just to avoid the possibility of damage. Styled like a high-stakes heist film, the spot blends cinematic tension with dry humor, underscoring the lengths people will go to avoid interacting with their insurer.