Insurance ideas

I know it, obviously

I'm sure it was on the blog where I mentioned "birthday card insurance" - that is, you pay into a policy so that, when are your relatives who used to send checks with birthday cards are all dead, you will continue to receive the checks on your special days.  So I'm obviously at the vanguard of insurance innovation.

So, suppose you own some shitty chain of whatevers that goes defunct.  I'm thinking Tumbleweed Steakhouse.  In the mid-90's, shit was going all gangbusters and you were building proprietary, not easily-converted-to-some-other-purpose restaurant buildings unceasingly.  So then someone enacts legislation which states that if you leave these pieces o' shit laying around when your company goes bust, you are liable for knocking them down and making green space on the spots or converting them into something not gross.  So an insurance policy for that - the policy covers expenditures one would be made to make if one's business fails and if policy is enacted regarding the above-mentioned liabilities.