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Extra-heavy elastic, stronger thread, larger buttons, etc., that help ensure that your clothing won't be either "saggy 'n' baggy" or revealing.
Hot chick: I like guys as much as any of the other chicks around town, but I also value my modesty and appearance, so I always choose clothing that has sufficient gap insurance; I don't wanna give lustful studs or anyone else the wrong idea about me by looking slutty or sloppy.
"I would like to apply for laugh insurance, please"
"do it again?"
joke insurance
Insurance is a genus of parasitic leech. The leech typically begins life as a billboard, or a TV or youtube ad that you can skip in 5...4...3...2...1. When it fails to draw you into it's trap, it attaches itself to things which you need, such as a car. After it has embedded itself onto your auto loan agreement, it begins to drink all of the Washington's in your wallet, waiting for the day that you fuck up, so that it can make up an excuse to drink more Washington's from your wallet.
"My insurance paid to have my bumper fixed!"
One Month Later...
"My insurance went up by 20%!"
A kind of bet against yourself.
I burned my house accidentally, thank god, I had an insurance.
Any form of a weapon (Firearm, Explosive, Martial Art, etc.)
Jason: Why do you have a gun ?
Tommy: For insurance purposes.