We have insurance for the most useless things.

I have flood insurance on my house. I live in Colorado, last time I checked I was in a landlocked state, nowhere near any major rivers, lakes, or even a streams.

I have car insurance that costs more than what my car costs.

But what about things we really need insurance for?

There is ton of crappy things that happen to us that isn’t covered by insurances.

Social media insurance. Say you make a facebook post that turns out to be wrongly worded and offends your friends instead of amusing them. What about when you send a tweet without thinking it all the way through, and it turns out to push the envelope a little too far? There should be something to protect you from social media mistakes (common sense would work too).

Maybe an insurance for when you forget to write something funny for Wednesday morning and can’t come up with any ideas.