Don’t mistake professional liability insurance for architects with commercial general liability, which provides coverage for the sort of on-the-job accidents and property loss or damages that can happen to any company.

If you’re a senior citizen (or approaching senior citizenship) and your financial picture isn’t as rosy as you’d hoped, consider life insurance.

Some states require that you carry ATV insurance when operating your vehicle on state-owned land.

If you operate a business out of your home, you’ll want to make sure you have liability coverage under your homeowners policy.

Be advised, however, that while Cash for Clunkers doesn’t count as income on your federal taxes, your state and local tax situation may be different.

It’s never a good idea to be uninsured, as you never know when you could become ill or have an accident.