I found myself in one of those Farmers insurance commercials asking… what if the propane tanks blow up - am I covered? What if I am driving and deer jumps out and I swerve and flip everything over, am I covered? What if I am backing up and hit a parked car, am I covered? I had all the made up stories I could possible think of to ask the insurance lady. I never realized there is an insurance for EVERYTHING! Spoilage and contamination - say a fridge stops working and everything spoils; yes, you are covered. Business Interruption - the power goes out and you don’t get a paycheck; yes, you are covered. Oh, and for that broken fridge; equipment breakdown insurance has you covered. There’s a cyber attack on your POS, covered! under cyber liability. Legit, insurance for everything.