An Inquiry about Insurances

Mark Twain ponders the usefulness of insurance coverage.  "Coming down from Sacramento the other night, I found on a center-table in the saloon of the steamboat, a pamphlet advertisement of an Accident Insurance Company.  It interested me a good deal, with its General Accidents, and its Hazardous Tables, and Extra-Hazardous furniture of the same description, and I would like to know something more...