Are we appropriately covered?

“June the 4th, 1973, was much like any other summer’s day in Peterborough, and Ralph Mellish, a file clerk at an insurance company, was on his way to work as usual when — (da dum!) Nothing happened! (dum dum dum) Scarcely able to believe his eyes, Ralph Mellish looked down. But one glance confirmed his suspicions. Behind a bush, on the side of the road, there was no severed arm. No dismembered trunk of a man in his late fifties. No head in a bag. Nothing. Not a sausage.” – Monty Python