ALTHOUGH Seth Pehr, a locksmith in the World Trade Center, survived the events of Sept. 11, his business did not. Except for a few things he was able to retrieve, the entire contents of his 26-year-old shop were demolished and now reside in the Fresh Kills landfill, indistinguishable from the detritus of the hundreds of other businesses that were once located in the ill-fated complex.
Ever since, Mr. Pehr has been trying to get his business back up and running. In large part, however, his post-Sept. 11 experience has only added insult to injury. And chief among the sources of his frustration has been his insurer, the St. Paul Fire and Marine Insurance Co. of Minnesota.
