Modern era, 'secret world', monsters living and hunting in the city. Vampires, demons, etc.
Looks like we're going entirely free form on this. No character skeletons, just dive right in. If there's any problem with characters being in conflict or something, we work it out here in OOC. If we get too much of it, some sort of guidelines will be made. For now, we'll try an experiment to see how well it works without any structure. Just write as if you're doing a short story of a character living in a modern world which has fantastical creatures and magic hidden beneath the surface.
Note on Athena Insurance Agency and Crowley and Lovecraft at Law: I get a kick out of the idea that magic users are still clinging desperately to sexist attitudes, so entrenched in their own beliefs that they can't functionally work together. The witches of Athena Insurance believe themselves to be the wise women, righteous and unduly persecuted throughout history by all men, working as a 'power behind the throne' to help young witches into the craft because the male sex, while easily manipulated, is simply unable to harness the energies needed to practice real magic. Likewise the wizards/warlocks of Crowley and Lovecraft are an old boys club who keep themselves hidden because they were persecuted by the close minded and overly emotional authorities, and powers behind the throne, who would fly into fits of burning heretics when their power was questioned by anyone who wanted to think for themselves.
Both groups are in regular contact with and make contracts with "demons and devils". Both groups use the same magic in much the same way, and aren't exactly weak. Both groups are preyed on by more powerful monsters(though could probably hold their own against most) and by the Church(yes, feel free to do a Belmont or Buffy style Slayer character if you have inspiration). That neither side can get over primitive sexist attitudes when they both see themselves as enlightened and persecuted intellectuals and their opposition to be somehow inferior and incapable just seems to be a wonderful reflection on humanity.
Individuals of the group don't have to share the groups misguided perceptions, the silent majority in fact probably see the stance as foolish, this only applies to the groups as wholes working together.