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But like other insurances, once you make a claim, or have an existing condition, insurers either charge a large premium or refuse cover.
Schools, he points out, must take insurances against liability, but "if they acted very wilfully and deceitfully, and committed a crime, they might be [liable] because insurance has certain limits".
Have you also made sure that everyone's insurances and certificates are up to date?
The major milestones in this progress were postal money order service (1864); international money orders (1867); special delivery (1885); parcel post, with its accessory collect on delivery (COD) and insurances services (1913); and certified mail (1955), which provides proof of posting for items without intrinsic value.
For example, somebody wanting to set up a community centre for local young people would need to consider health and safety regulations, as well as insurances and legal issues such as helpers being CRB checked.
For example, you may be able to get better deals on mobile phones, insurances and utility bills.
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We don't have people that become ill, who die in their apartment because they don't have insurance".
The two supreme court justices thought likely to cast the deciding votes, Anthony Kennedy and the chief justice, John Roberts, appeared deeply sceptical of the government's contention that healthcare regulation is a special case that gives Congress the power to oblige individuals to obtain insurance.
If the Conservatives' latest policy of a cut in national insurance was meant to give him a debating advantage against Vince Cable and Alistair Darling, the plan backfired in spectacular fashion.
The legal argument focused on the challenge to core of the legislation – its requirement that almost all Americans buy health insurance.
George Osborne's proposed "cuts" in national insurance contributions will cost about £5.6bn, according to the Institute for Fiscal Studies.
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Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com